Discover Your Loan Options

Cliff Reiher Mortgage Loan Officer Powered by Nexa Mortgage brings over 10 years of experience to every client interaction in central Florida. Our approach combines industry knowledge with a customer-centric focus, ensuring that your unique financial situation and homeownership goals are understood from our first conversation.  We offer quick, efficient service with fast response times. We have access to more than 300 wholesale lenders, allowing us to provide competitive rates and flexible solutions tailored specifically to your needs.

We leverage cutting-edge AI methods to streamline the application process. You'll benefit from expedited appraisals—typically completed in less than a week. As a locally owned and operated business, we're familiar with central Florida's housing market and can provide insights specific to the region. We provide virtual Zoom meetings for clients who prefer remote consultations, and we're committed to transparency throughout the process. We offer discounted services for buying down your rate, potentially saving you thousands over the life of your loan. Contact us now.

VA Loan Options

VA loans offer exceptional benefits for veterans, active-duty service members, and eligible surviving spouses. These loans, guaranteed by the Department of Veterans Affairs, often require no down payment and have no private mortgage insurance requirement, potentially saving you thousands.

USDA Loan Options

USDA loans provide an excellent opportunity for moderate-income buyers in eligible rural and suburban areas throughout central Florida. These loans offer 100% financing with no down payment required and competitive interest rates.

Non-QM Loan Options

Non-QM (Non-Qualified Mortgage) loans serve borrowers whose financial situations don't fit traditional lending guidelines. These specialized loans provide solutions for self-employed individuals, those with complex income structures, recent credit events, or high-value properties.

Land Loan Options

Land loans finance vacant property purchases for future building or investment purposes. These specialized loans typically have different terms than residential mortgages, including higher down payment requirements and shorter repayment periods.

New Home Construction Loan Options

New home construction loans finance the building of your custom home from the ground up. These specialized loans typically convert from a construction phase, where funds are disbursed in stages as building progresses, to a permanent mortgage once construction is complete.

Major Renovation Construction Loan Options

Major renovation construction loans help transform fixer-uppers into your dream home by financing both the purchase and renovation costs in a single loan. These specialized products, including FHA 203(k) and Fannie Mae HomeStyle loans, base the loan amount on the property's projected value after improvements rather than its current condition.

Investment Loan (DSCR) Options

Investment loan options using Debt Service Coverage Ratio (DSCR) evaluation provide specialized financing for real estate investors based on the property's income potential rather than the borrower's personal income. These loans focus on whether the property's rental income can cover the mortgage payment and associated expenses.