01
Start with your life
Your plans, priorities, and comfortable monthly budget set the direction. There’s room for questions from the start.
BRAD BRITTAIN · ARKANSAS LOAN OFFICER
Serious about
home loans.
All about you.
Buying, refinancing, or planning a move in Arkansas? Let’s talk through your questions and the numbers that matter to you.
Cabot, Arkansas · NEXA MortgageBrad Brittain · NMLS #2422937
Where do
I start?
Let’s make
the numbers
make sense.
What could my
payment be?
MEET BIG BRAD
Real conversations.
Clearer decisions.
I’m Brad Brittain, an Arkansas loan officer with NEXA Mortgage in Cabot. I love connecting with people, and I’m here to help you make sense of your home loan options.
You bring the questions.
I’ll bring a listening ear.
Brad Brittain · NMLS #2422937
NEXA Mortgage LLC · Company NMLS #1660690
02
See the whole picture
Understand how the payment, upfront costs, and loan term work together, with your future plans in mind.
03
Know your next step
Talk through what to prepare, what happens next, and where you are in the process.
Start with your
next move.
Choose a starting point, then explore the details that fit your situation.
01
Buying a home
First keys, a new location, or a little less space. Start with your budget, your timeline, and the questions on your mind.
Explore buying scenarios
Your first home. Your down payment is only one part of the picture. Ask about closing costs, ongoing expenses, and a cash buffer after moving day.
Your next move. Connect the timing of selling, buying, and moving. Your current mortgage, available equity, and desired monthly payment all belong in the conversation.
A new location. Property taxes, insurance, and closing costs can change the budget. Check the full cost of owning in your destination.
A military move. Ask about VA loan eligibility, documentation, and any applicable funding fee or exemption. Availability depends on your circumstances and program requirements.
Self-employed life. Bring a clear picture of your business income and history. Documentation requirements vary by lender and loan program.
A home with potential. Start with a realistic project estimate, a contingency budget, and a timeline, then discuss available financing options.
02
Refinancing
Life changes, and priorities do too. Look at how your current mortgage fits your plans, then compare the full costs of a change.
What to compare
Include closing costs, the new loan term, and total borrowing costs when comparing a refinance. A lower payment does not always mean a lower overall cost.
Think about how long you expect to keep the loan, your comfortable monthly budget, and the cash you want to keep available.
03
Investment property
A rental or second property brings different questions. Put the purchase price, ongoing costs, and your longer-term plans in the same conversation.
Plan for the full picture
Consider more than rent and repayments. Maintenance, vacancies, insurance, and taxes matter when planning an investment purchase.
Bring your plans for the property and the numbers you’re working with. Loan availability and documentation requirements depend on the property, lender, and your circumstances.
Every situation is different. Loan availability and eligibility depend on the lender, location, and your circumstances.
What could your
payment be?
Try a few possibilities to see how the price, down payment, and interest rate affect an estimated payment.
Illustrative estimates only. This is not a rate quote, loan offer, or assessment of eligibility.
Estimated monthly payment
/ month
Principal & interest$2,023
Property tax$300
Home insurance$100
Excludes mortgage insurance, HOA fees, and closing costs. Sample values are editable; actual costs and rates will vary.
Your next steps
You don’t need every answer before you start. Just an idea of where you’d like to go.
1
Have a conversation
Share your plans and questions. Start with the things that matter most to you.
2
Explore the options
Review the numbers, gather documents, and talk through the possibilities.
3
Make your move
Follow a clear plan through the application, property checks, and next steps.
4
Make it home
Review the final details, complete your closing, and start your next chapter.
Questions, answered.
A few things you may be wondering before we talk.
When should I start the conversation?
Whenever a move is on your mind. An early discussion can help you understand what information to gather and which questions to ask before house hunting.
What should I have ready?
A rough idea of your budget, timeline, and goals is enough for an initial conversation. Brad can explain any documents needed for an application.
Does the lowest rate mean the best loan?
The rate is one part of the cost. Fees, points, the loan term, and how long you expect to keep the loan also matter. Review the full comparison before deciding.
How accurate is the payment calculator?
It estimates a fixed-rate loan payment from the values you enter and adds your tax and insurance estimates. It does not include mortgage insurance, HOA fees, closing costs, or lender-specific terms, and it is not a quote.
Can we talk before I apply?
Absolutely. Start with your questions and the bigger picture. Call Brad at 858-248-0569, and decide when you feel ready to take the next step.
Your next chapter looks good on you.
Let’s make the first
step a simple one.
A friendly conversation. A little clarity. A place to start.
Send Brad a message
Have a question or want to arrange a call? Send Brad a message.
Please don’t include Social Security numbers, account details, or financial documents.
Brad “Big Brad” Brittain
Loan Officer · NMLS #2422937
Cabot, Arkansas
bradb@nexalending.com