unlocking your
home dreams
Guiding You Home, Every Step of the Way
Imagine a seamless journey to your dream home – that's exactly what we offer. At Accents Mortgage Group with NEXA, we're your dedicated partners in turning homeownership dreams into reality. With an extensive network of lenders and personalized financial solutions, we guide you through every step of the mortgage process. Whether you're a first-time buyer or looking to refinance, we tailor loans to your unique needs, ensuring you secure the best rates. Experience a stress-free ascent to your new home. Because when it comes to mortgages, we elevate your expectations.
NEXA offers programs and pricing you will love. we have Aggressive Loan programs that you’d be hard-pressed to find anywhere else at very aggressive rates.
FHA, VA & USDA RD
Smaller down payments and expanded qualifying ratios.
We can lend down to a 500 FICO score on FHA.
Conforming Fixed
Options that allow for up to
3% down
Common Sense Programs
Flexible programs for loans that don't fit "in the box",
NON QM Loans
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Renovation Programs
Streamline renovation loans that allow for the purchase and rehab for a home.
Home Equity Loan
Use your home equity to achieve your financial goals, whether it's consolidating debt, paying for education, taking that dream vacation, or securing your retirement.
Zero Down Payment Options
0% down payment option for the first-time and repeat home buyers.
Assistance Programs
Options available to assist with downpayment and closing costs for qualified borrowers.
Refinance Loan
Refinancing your existing mortgage could lower monthly payments or shorten a loan term, saving you money in the long run.
Why Choose Us?
We treat you as an individual, not a number. Our team takes the time to understand your goals and financial situation to provide tailored solutions.
We are here to demystify the mortgage process, answering your questions and ensuring you make informed decisions.
As your local mortgage partner, we're invested in the communities we serve and strive to make a positive impact beyond transactions.
Mortgage brokers can compare loan offers from different lenders on your behalf. We can help you evaluate the various terms, interest rates, and fees associated with each loan.
Our access to specialized loan programs, that are not available through traditional banks, are beneficial for specific circumstances, such as veterans, self-employed or those with unique financial situations.
What Our Clients Say
Thank you for everything you have done for us. We appreciate you all so much! I sincerely believe without Kaysie and Keven, there was no way being a homeowner would have been possible for us.
~ Teri
Thank you for doing such an awesome job, I really appreciate all of your hard work!
~ Christina
Working with Kaysie was truly a breath of fresh air after the nightmare we had been through over the last year with previous lenders. We knew going in that we would hit bumps in the road but those bumps didn’t seem so harsh when communication was there between us and the team involved in our loan process.
~ Jessica
Absolutely no issues. The Accents Mortgage Team made the process simple and smooth from the start to end! Plus, the loan processed quickly Only 7 days for Clear to Close!!
~ Janelle
Thank you for everything! You are amazing and have a beautiful heart!
~ Patricia
Kaysie Hastings
Mortgage consultant & Loan originator | nmls# 2212709
+979-319-2715
khastings@nexamortgage.com
www.accentsmortgage.com
Keven Card
Mortgage consultant & Loan originator | nmls# 2435176
+832-860-2273
kcard@nexamortgage.com
www.accentsmortgage.com
your complete guide to the
Homebuying Process
01 Define
GOALS & objectives
The first step to beginning this process is to decide your WHY. What is it that you are hoping to accomplish by buying a home? Is it because you're tired of paying your landlord too much money every month? Or maybe you're ready to own a real piece of the pie and live the American dream? Maybe you're ready to create a sanctuary where you can raise children and get more dogs (because getting more dogs is always the right answer). Get crystal clear on your why, and you'll always have an inspiration to move forward.
02 The Timeline
what you should expect
& when
1
initial consultation
Discuss your goals and how we can help you achieve them.
5
drafting an offer
Discuss the terms of your offer and compile them into a contract.
2
mortgage prequalification
This will give you an essential tool you need to make an offer once you find the right home.
3
instant home e-alerts
Your realtor will have priority access to homes that match exactly what you're looking for as soon as they become available.
4
showings
Working around your schedule, your realtor will make appointments at the homes you have chosen to see.
6
the negotiation
Work with your realtor to negotiate terms.
7
managing the details
We manage all the details necessary to get you to keys.
8
closing
You will receive keys and become the owner of your new home, yay!
9
after closing
We pride ourselves on maintaining life-long relationships with our clients and continuing to add value.
1
2
03 All about
CONDITIONS
Conditional time is a time for ensuring that the property you have selected is the right one for you. That looks a lot like title searches, inspections, status certificates & financing. Please keep in mind that rural properties have extra conditions, therefore giving them a different timeline. The conditional process is flexible, and depends on the terms negotiated by your real estate agent.
offer acceptance
Pop some champagne! You're buying a home!
deposit due
Your deposit is due within 24 hours of acceptance.
4
approval period
Your mortgage broker will collect documentation and decide if you are fully approved or not. If they claim you are not, you can still back out as long as it's with your 5-7 days and you'll still have rights to your deposit.
3
physical inspection period ends
You have 5-7 days (negotiated by your agent) to conduct
inspections and decide if you negotiate repairs and move forward or not. Sometimes this also includes obtaining insurance. During this time you can back out and still have rights to your deposit.
5
closing
You will receive keys and become the owner of your new home.
Congratulations
04 How much
DOES A HOME ACTUALLY COSTS?
deposit
DUE 24 HOURS AFTER CONTRACT ACCEPTANCE
Typically the deposit amount is determined based on the purchase price in our market. It's common for 1% - 2% of the purchase price. This will become part of your downpayment and is not an additional fee.
down payment
DUE AT CLOSING
The amount you will need for a downpayment is determined by the type of loan you qualify for. The required amount could range from 3% - 20%. Ask your mortgage broker for options available. Downpayment also includes your deposit.
home inspection
DUE AT TIME OF INSPECTION
It is recommended to hire a home inspector, as you never truly know the real condition of the home from just the outside. The cost ranges from inspector and details such as size of home and if there's a pool. This is an additional fee.
appraisal
DUE AT TIME OF INSPECTION
Like home inspections, appraisals also range on the appraisers and size of the home. They are hired by the mortgage lender to ensure that the
property is worth what they are lending to the borrower, they range from $600-$850.
closing costs
DUE AT CLOSING
Closing costs are the fees included for such things as the title, home insurance, property taxes, and loan originating services. They range from a percentage to a flat fee based on purchase price.
IMPORTANT
You pay upfront for a home inspection report and an appraisal report (if financing) which is nonrefundable, even if you do not end up buying the home.
05 What are
CLOSING COSTS?
Closing costs are the third-party fees paid at the close of a real estate transaction due at closing (hint the name). The buyer closing costs usually total 2% - 5% of the final sale price which may include but not limited to:
title fees
paid to the title company for their services.
mortgage broker fees
these fees are generally paid by the lender upon successful completion, or in a lot of cases paid by the financial institution.
homeowners insurance
required by most lenders, you will typically pay your premium for one year.
property taxes
prorated and adjusted.
home appraisal fees
only paid at closing if not paid for in advance (if applicable).
condominium dues
if your home has a homeowner's association, you will pay upfront at closing (if applicable).
mortgage insurance
typically required if your down payment is less than 20%.
title insurance
a one-time fee, required to protect you in case the seller doesn't have full deed to the property.
*please check with your mortgage broker for the full scope of what your actual closing costs will be.