- View the programs available today in the mortgage industry
Welcome to LockClose.com - NEXA Mortgage
LOCK and CLOSE are the two words that are key to LockClose.com’s unfaltering ability to secure favorable mortgage rates for our clients. What do they mean?
LOCK: ‘Lock’ means that you lock in a mortgage interest rate that is most favorable for your purposes from the time your lender offers it to you until the time you close on your home loan. It’s a guarantee from a mortgage lender that they will give you a certain interest rate, at a certain price, for a specific time period.
It’s not as simple as it seems, because once that interest rate is locked, it cannot easily be ‘re-locked' if rates improve. Re-locking is an expensive, complicated procedure that you should avoid if at all possible.
We are a team of experts who are certified mortgage advisors. We have the experience, the skills, and the insights to know when it’s a good time to place a lock on an interest rate. Mortgages are deceptively complex, and the lowest rate doesn’t always translate to the lowest overall cost. We know how mortgages work, and we take time to make sure that you fully understand the options so that your mortgage will be a great rate with the most suitable loan program.
CLOSE: ‘Close’ means to successfully finalize your mortgage loan transaction. We walk you through the entire process to make sure that we can close your loan without any setbacks. Our borrowing process takes the stress out of home buying and refinancing. We help you make the most informed financial decisions at every critical stage.
Most lenders simply assist you through a 30-day mortgage closing. We help you close your mortgage, but we never close our door and will continue to provide you with support whenever needed. We are here for you even after closing! We will be on the alert for even better rates for possible refinancing in the future. We understand that your needs and goals may change. With our help, you will always have access to the best mortgage options available.
We have earned a reputation for integrity, transparency, trust and unmatched customer satisfaction. When you select us to help you navigate your ‘Lock’ and ‘Close’ experience, you have chosen the absolute best!
Welcome to the official site of NEXA Mortgage, Luan Nguyen NMLS# 1704246. We are a full-service mortgage company based in San Diego, CA. We specialize in FHA Loans, VA Loans, Conventional in San Diego. We also serve the surrounding cities in San Diego. Whether you are buying a home or refinancing in any of these zip codes: 92126, 92131, 92129, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
In terms of Purchase Loan programs, we offer the following:
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
What makes NEXA Mortgage, Luan Nguyen NMLS# 1704246 unique is that we offer the following niche programs as well: down payment assistance, credit repair, first home buyer, zero down, 3% down payment, 3.5% down payment, HomeReady mortgage, Government loans, Home Possible mortgage.
Contact NEXA Mortgage, Luan Nguyen NMLS# 1704246 today to discuss your mortgage loan options, and find out which loan program will best suit your needs.