Understanding FHA Loans with Gerano White with NEXA Mortgage

An FHA Loan, backed by the Federal Housing Administration, is one of the most popular loan options for homebuyers who want flexible qualification requirements and lower down payments. It’s especially ideal for first-time buyers or those rebuilding their credit who want an affordable path to homeownership.
Contact Us

Making Homeownership Affordable and Accessible

FHA loans are known for their low down payment requirement — as little as 3.5% — making them a great choice for buyers with limited savings. The program also allows more lenient credit qualifications, making it possible for more families to own a home without the stress of strict lending standards. With Gerano White with NEXA Mortgage, we guide you through the details of your FHA loan, from pre-qualification to closing.
Explore More

Refinance Opportunities with FHA Loans

FHA loans don’t just help buyers — they also provide refinancing opportunities for existing homeowners. Through the FHA Streamline Refinance program, borrowers can lower their interest rate and monthly payment with minimal documentation and no appraisal in many cases. With Gerano White with NEXA Mortgage, we make refinancing fast and simple. Whether you’re looking to reduce your rate, shorten your loan term, or tap into home equity, we’ll help you find the right FHA refinance solution tailored to your goals.
Explore More

Benefits of FHA Loans with Gerano White with NEXA Mortgage

_______

Low Down Payment: Purchase your home with as little as 3.5% down.

_______

Flexible Credit Requirements: Qualify even with less-than-perfect credit.

_______

Streamline Refinance Options: Easily lower your monthly payments with minimal paperwork.

_______

Government-Backed Security: Enjoy peace of mind with reliable, insured financing.
get personalized Loan options

Designed for Flexibility and Stability

The FHA program offers flexible loan limits and property types, from single-family homes to certain multi-unit properties. This gives you the freedom to choose the home that fits your needs while still enjoying the security of a government-backed mortgage. With Gerano White with NEXA Mortgage, we ensure you receive the full benefits of FHA’s supportive structure. Our team works closely with you to assess your eligibility, explore down payment assistance options, and secure a loan that positions you for long-term success.
Explore More

Why Choose Us

Choosing the right mortgage partner can make all the difference in your home financing journey. With Gerano White with NEXA Mortgage, you gain more than just a lender — you gain a dedicated partner who understands your goals, listens to your needs, and works tirelessly to find the best loan solution for you.

We combine years of industry expertise, innovative loan programs, and personalized service to ensure every client receives the attention and care they deserve. Whether you’re buying your first home, refinancing, or investing in real estate, our mission is to make the process smooth, transparent, and stress-free from start to finish.

We are known for

Personalized Service: Every client’s situation is unique, and we take the time to tailor loan solutions that perfectly fit your goals and financial needs with Gerano White with NEXA Mortgage.

Transparent Process: We pride ourselves on honesty and clear communication, ensuring you’re informed and confident every step of the way.

Fast & Efficient Closings: Our streamlined process and expert team help you close quickly — saving you time while maintaining accuracy and care.

Extensive Loan Options: From FHA and VA to Non-QM and DSCR programs, we provide a wide variety of mortgage products designed to fit any borrower’s profile.

talk to a loan specialist

Why Choose Rapid Closing?

Choosing the right mortgage partner can make all the difference in your homeownership journey. At Rapid Closing, we combine speed, expertise, and personalized care to deliver financing solutions that are tailored to your goals. Whether you’re a first-time home buyer, refinancing, or exploring specialized programs, our team is dedicated to making the process smooth, transparent, and stress-free. With Rapid Closing, you’re not just getting a loan—you’re gaining a trusted partner who stands by you every step of the way.

We are known for

Fast & Reliable Closings – Streamlined processes that save you time and stress.

Wide Range of Loan Programs – From FHA and VA to DSCR, Jumbo, and USDA loans.

Personalized Guidance – Clear, step-by-step support with dedicated loan specialists.

Flexible Solutions – Options designed for first-time buyers, investors, and unique situations.

talk to a loan specialist

"FAQs"

Gerano White with NEXA Mortgage offers a wide range of home financing solutions designed to fit every borrower’s needs. Our loan programs include DSCR Loans, VA Loans, FHA Loans, Jumbo Loans, First-Time Home Buyer Loans, Bank Statement Loans, Profit and Loss Loans, Construction Loans, Fix and Flip Loans, and HELOCs. Each program is tailored to help homebuyers, investors, and self-employed borrowers achieve their goals with ease and confidence.

Choosing the right loan depends on your financial situation, credit profile, and homeownership goals. At Gerano White with NEXA Mortgage, we take the time to understand your needs and provide personalized guidance to help you find the best fit. Whether you’re a first-time buyer, a veteran, or an investor, we’ll walk you through every option and make the process simple and transparent.

Typically, you’ll need proof of income, identification, credit information, and details about your assets and debts. However, Gerano White with NEXA Mortgage also offers alternative documentation programs like Bank Statement and Profit and Loss loans for self-employed borrowers. Our team will guide you step by step and ensure you only provide what’s necessary for your chosen loan type.

The approval timeline depends on the type of loan and your documentation, but most borrowers receive approval within a few days to a couple of weeks. With Gerano White with NEXA Mortgage, we prioritize efficiency and communication — ensuring that your application moves quickly and smoothly from start to finish.

When you work with Gerano White with NEXA Mortgage, you’re not just getting a lender — you’re gaining a dedicated mortgage partner. We combine industry expertise, flexible loan options, and personalized service to help you make confident financial decisions. Our commitment to transparency, speed, and exceptional customer care sets us apart and ensures you receive the best possible experience.

Trusted Guidance Every Step of the Way

Buying a home can be overwhelming, but with the right guidance, it becomes an exciting and rewarding experience. With Gerano White with NEXA Mortgage, we take pride in offering personalized support and open communication throughout your FHA loan journey. We’re more than just your mortgage experts — we’re your partners in building a better future. Whether you’re buying your first home or upgrading to your next, our commitment is to make your path to homeownership smooth, stress-free, and successful.