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 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 set-backs. 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!
Get a rate & payment that won't change
What can you comfortably afford?
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I contacted Luan for my refinance the house through a friend's recommendation. I asked him straight forward what I want for my refinance if he can do it. He said "Yes, absolutely". I forwarded all my documents to him and my loan was closed in less than 14 days. I got the that I expected. Luan is so Friendly, he answered all my questions, concerns. He made sure I understand all the concerns. He was very quick and easy to contact with. I did and will recommend more friends that need help on mortgage to Luan.Phoebe N
Thank you very much Luan. We so appreciate your efforts to make this happen. We definitely recommend all our friends and family to do home loan with you.Mark S.
I had a great experience working with Luan and have already recommended his services to my friends and family. He is professional and always very respectful of my time. He quickly responded to all my questions and best of all, he was patient. I had a lot of question:). He took the time to explain the process to me (more than a few times) to be sure I fully understood the process, letting me know what to expect and when to expect it. Thank you!Lilian N.
Luan Nguyen was an amazing loan officer! I’ve talked to so many loan officers in my time and he has by far surpassed all of them. He was always honest, upfront, and communicative. I felt like he put our needs first at all times and got us the best rate. He was never pushy which I appreciated so much. I have referred him to all of my friends in the area!! I would definitely use him again for any future loans.Erica V H
Luan is very prompt with responses, professional with exceptional attention to detail. Thank you for your services.Ha Pham
Luan is very sincere, honest, genuine. He gets things done fast and got me the best rate in the market. I have shopped around and have had many bad experiences in the past until I found Luan. I am definitely will be referring all friends and family member to Luan!!!Jennifer Nguyen