Lower Rates. More Options. Faster Closings.

Applying is Fast, Easy and Secure!

Questions for your Home Loan Expert?

You're Always Welcome to Give Me A Call!


Jahmal Boykin, Mortgage Loan Officer

NMLS:2025313

C: 786-586-9386 E: jahmalboykin@gmail.com

Low Wholesale Rates. No Hassle!

Find out how I can help make qualifying

for a low rate mortgage Fast, Easy and Secure.

What We Do


We are a full-service mortgage company headquartered in Chandler, Arizona. We specialize in every form of Real Estate financing. From your own home, investment properties as well as commercial financing. Our goal is to provide home loans to consumers nationwide while supplying them with the lowest interest rates and closing costs possible. We pledge to help borrowers overcome roadblocks that can arise while securing a loan and strive to offer the best payment plan along with the best terms imaginable. We also serve multiple states: Arizona, California, Colorado, Florida, Georgia, Idaho, Montana, Texas, Oregon, and Washington. Whether you are buying a home, relocating to a new area or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.


Hi...I'm Jahmal, and I'm Here To Help!

You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. I've got great news... I'm here to solve that for you. With more than 85 investment partners providing Pure Wholesale Rates and often times big name companies right down the street from you. We make it easy to go Wholesale with them verses Retail.

Whether you have impeccable credit or credit as ruff as sand paper we have you covered. We have a make it easy process. Click on the link above and get your great low rate mortgage EASY. Yes, I really did say easy. When you're ready, the next step in getting a low Pure Wholesale rate mortgage made easy is to contact me so we can review your unique situation and make sure that you get a low rate mortgage without the stress and hassle that's normally associated with it. Click on the link below to book with me to discuss your unique situation. It's easy to reach me @ 786-586-9386. Feel free to call me direct or if you prefer you can email me at jahmalboykin@gmail.com

Either way I'm here to make the experience of getting a mortgage a good one for you. Whether you need the mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help. I look forward to hearing from you.

I recognize that your needs are unique, and I would love to find out exactly how I can be of service to you.

Contact me by email or give me a call.


E: Jahmalboykin@gmail.com

C: 786-586-9386

What I Do

Outstanding Communication & Follow-up

We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan.

Professional

Support

Count on us to be there with you and to help you navigate the entire mortgage process. We'll help you cut through the red tape and avoid the common mistakes people make.

Competitive Low Rates

Wholesale Rates, Our Investors Compete so you WIN Every Time. We work with you to find the right program and secure low market rates to make sure you are paying the lowest payment each month.

Close Your Loan

On Time

Not all lenders can close quickly or on time. We work closely with you through the process to meet all deadlines and make sure that your loan closes on time.

Who I Help

First Time Home Buyers

We know how overwhelming the process of buying a home is, especially if it is the first time that you're doing it. We will work closely with you to explain the process, to protect you from making mistakes that could cost you later, and to ensure that your mortgage gets approved and you get the home that you are so excited to be buying!

Move Up -Next Home Buyers

Buying a new home when you currently own one has its own unique set of concerns. We can answer all of your questions about how to qualify and purchase a home when you already own one whether you're buying a new primary residence or a second vacation home.

Refinancing Home Owners

We can help regardless of the reason. If you want the lowest rate or payment or you need cash out for any reason we can help you with this and offer lots of options with great rates and quick closing times. We also can show you how to make sure you are structuring your new financing to get the best deal possible.

Investment Buyers

If you're buying real estate for investment purposes, we can help you secure low rate financing to maximize your ROI.

Seniors Seeking Reverse Mortgages

If you are 62 years or older and are looking for options to stay in your home without a mortgage payment or to access your home's equity while still living there, I can answer your questions about reverse mortgages so you can decide if they are right for you.

My Community Cares for Hero's

If you serve our communities as a or are a veteran, police officer, healthcare worker, EMS, firefighter, or teacher you may qualify to save.

Whether you are buying a home, relocating to a new area or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment. In terms of loan programs & services, we offer the following:

Home Purchase Loans

Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.

Refinance Rates

Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!

Rate Comparisons

Don’t just take the first offer. Shop around. Use our rate comparisons to find the best possible plan for your home ownership strategy.

Fast Funding

Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.

Evaluate Your Property

Know where you stand. With a property evaluation in hand, you’ll have better access to your options so you can see the next move.

Cash-Out Refinance

Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.

Ready to Buy Your First Home or Next Home?

Mortgage Home Purchase Loans without the Hassle!

Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get a favorable rate doesn’t have to be stressful!

We’re here to make the home loan process easier, with tools and knowledge that will help guide you along the way. We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you, whether you’re a first-time homebuyer or a repeat buyer.

To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.

Loan Programs

At NEXA mortgage, we have the right loan program for you. If it's to Purchase, Refinance, or need Specialized Loans, we can do it!

Construction Loans

Construction loans are used to finance the construction of a new structure. Whether you're interested in building a brand new home for you and your family or you're looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you're looking to construct. We look forward to your questions about construction loans. Please call us to find out more.



Home Equity Loans

Home equity loans call for the borrower to acquire a new loan on an already mortgaged property using the equity you've built as collateral. Home equity loans are typically reserved for those looking to pay down medical or consumer debt, start a business or pay tuition. Please contact us directly if you're interested in a home equity loan. Most states restrict the amount of money one can borrow against their home. Interest rates on home equity loans are generally higher than conventional loans.



Conventional Fixed Rate Mortgages (FRM)

A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years, 15 years, 30 years and 40 years.



Adjustable Rate Mortgages (ARM)

Adjustable rate mortgages are loans where the interest rate is recalculated on a yearly basis depending on market values. As interest rates are adjusted so is the borrower's monthly payment. While interest rates on ARM loans are generally lower than fixed rate loans they can eventually become higher. Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. Contact us for more information on adjustable rate mortgage loans.



Jumbo Loans

A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $424,100. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates. Learn more about jumbo loans by contacting us today.



Refinance Mortgage Loans

Homeowners looking to decrease their interest rate may consider refinancing. A refinance calls for the homeowner to obtain another mortgage loan. Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage. Depending on your situation a refinance loan could be a great option. Along with decreasing your interest rate, refinance loans can also help you switch from an ARM to a FRM, and in some cases reduce your loan term.



FHA Mortgage Loans

FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don't have enough funds to pay a traditional 20 percent down payment because they only require 3.5 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development. Please contact us today to find out if a FHA loan is right for you.


Why an FHA Loan?

Home loans provided by the Federal Housing Administration (FHA) may make it easier for you to buy a home. For an FHA loan a down payment of 3.5% is required. Borrowers who cannot afford a traditional down payment of 20% or are unable to receive approval for private mortgage insurance may consider an FHA loan.

Reverse Mortgage Loans

Reverse Mortgages or (Home Equity Conversion Mortgages HECMs) are a special home equity loan for homeowners of 62 years of age or older. These loans allow borrowers to borrow against the equity that they have built up over years of paying down the mortgage on their home to supplement their retirement income. The loan itself will have fees and closing cost involved as there is with any mortgage transaction. Also there is interest added to the loan balance each month, the loan balance grows over time, and funds may be disbursed via a lump sum single disbursement, in monthly payments, or as a line of credit. Borrowers generally do not have to pay back the loan while themselves or an eligible spouse live in the home; however, borrower must continue to pay taxes, insurance, utilities and to maintain the home in order to continue to occupy the home. "Non-borrowing" spouses may be eligible to continue living in the home after the borrower passes away; however, the non-borrowing spouse will stop receiving the money from the reverse mortgage after the borrower spouse passes away. The loan becomes due in full at the time the last borrower, co-borrower, or eligible spouse either passes away, sells the home, or moves out. Borrower's estate or heirs may pay off the reverse mortgage through the sale of the home or retain the home via a refinance (neither the borrower nor their heirs will have to pay back more than the home is worth). Reverse mortgage is not a risk free loan and should be considered carefully; for more information on reverse mortgage visit the Consumer Financial Protection Bureau website at www.consumerfinance.gov/askcfpb/233/reversemortgage. Broker Disclosure: All programs subject to change without notice. The information on this section is intended for informational purposes and is not an offer to extend credit.



VA Mortgage Loans

Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a $417,000 loan limit. For information on qualifying for this loan program please give us a call today.


Why a VA Loan?

If you’re a military veteran or still in active service, you may qualify for a U.S. Department of Veterans Affairs (VA) loan. These often require no down payment and have lower closing costs, which can help keep your savings secure.


Is a 30-year fixed-rate mortgage right for you?


About 30-Year Fixed-Rate Loans

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. A 30-year fixed-rate loan may be a good option if you plan on staying in your home for years to come.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

The 30-Year Fixed Rate Mortgage Loan Process

Here’s how our home loan process works:

  • Receive options based on your unique criteria and scenario

  • Compare mortgage interest rates and terms

  • Choose the offer that best fits your needs

Is a 15-year fixed-rate mortgage right for you?

About 15-Year Fixed-Rate Loans

This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.

The 15-Year Fixed Rate Mortgage Loan Process

Here’s how our home loan process works:

  • Receive options based on your unique criteria and scenario

  • Compare mortgage interest rates and terms

  • Choose the offer that best fits your needs


Is an adjustable-rate mortgage (ARM) right for you?


About Adjustable-Rate Mortgage Options

An ARM is an Adjustable Rate Mortgage. Unlike fixed-rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower then that of a fixed-rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.

We’re here to make it easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a repeat buyer.


The Adjustable-Rate Mortgage Loan Process

Here’s how our home loan process works:

  • Receive options based on your unique criteria and scenario

  • Compare mortgage interest rates and terms

  • Choose the offer that best fits your needs


Do I Qualify?

Most homeowners get into adjustable-rate mortgages for the lower initial payment, and then usually refinance the loan when the fixed period ends. At that time, the interest rate becomes variable, or adjustable, and the homeowner may refinance into another adjustable-rate mortgage, a fixed-rate mortgage, or sell the home.


Do I Qualify?


When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

Ready to complete your online application? It only takes a few minutes to complete. Let's get you Pre-Approved!