NEXA Lending · NMLS# 2703683 · Houston, TX

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See Your Payment.
Get Pre-Approved.

See today's rates across every program, run your exact numbers, and apply online — all in one place.

via NEXA Lending · NMLS# 2703683

Every Loan Type. One MLO.

From your first home to your next investment — Daniel matches you with the right program at the right rate.

Free Download

Pre-Approval Prep Checklist

Get approved faster by having the right documents ready. Download Daniel's free checklist — know exactly what you'll need before you apply.

✓Last 30 days of pay stubs

✓2 years of W-2s & federal tax returns

✓2–3 months of bank statements

✓Government-issued photo ID

✓Employment history (2 years)

✓VA Certificate of Eligibility (if applicable)

+ 8 more items inside the full checklist...

Specialty Loan Programs

Built Around Your Career, Not Against It

Beyond our standard lineup — programs tailored to specific careers and situations.

The Process

From Application to Close

A clear, guided path from pre-approval to the closing table. No surprises.

1

Pick Your Program

Compare FHA, VA, Conventional, USDA and more with today's live rates through NEXA Lending.

2

Run Your Numbers

Plug in a home you found and see exactly what your monthly payment looks like — instantly updated.

3

Apply Online

One click to NEXA Lending's secure portal for instant pre-approval and rate lock.

4

Close with Confidence

Daniel guides you every step — transparent, stress-free, and on your timeline.

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Client Reviews

What Clients Are Saying

Your Mortgage Loan Originator

Meet Daniel Taylor

NEXA Lending — Mortgage Loan Originator

Daniel Taylor

NMLS# 2703683 | Company NMLS# 1660690 | Licensed in Texas

Daniel Taylor is a dedicated Mortgage Loan Originator based in Houston, Texas, helping homebuyers across the state secure the right financing with clarity, confidence, and a strategy tailored to their long-term goals. With a strong background in both mortgage lending and real estate, Daniel brings a unique perspective that gives his clients a distinct edge in today's competitive market.

His mission is simple: make the lending process transparent, stress-free, and aligned with each client's financial future — guiding buyers step-by-step from pre-approval to closing with clear communication every step of the way.

📞

Phone

(713) 454-2744

✉

Email

dltaylor@nexalending.com

🏢

Company

NEXA Lending | Co. NMLS# 1660690

📍

Office

5559 S Sossaman Rd Bldg 1 #101, Mesa AZ 85212

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Mortgage Loan Originator | NMLS# 2703683 | Co. NMLS# 1660690

Daniel Taylor — NEXA Lending

All mortgage origination services provided through NEXA Lending | dltaylor@nexalending.com

Mortgage Programs

Select a program to see today's rate and run a live payment estimate. All services through NEXA Lending.

Payment Calculator

Home Price: $400,000

$100K$1.5M

Down Payment: 10% ($40,000)

*TX property tax ~2.25%, homeowners insurance ~0.5%. PMI/MIP per program rules.

All Programs at a Glance

Mortgage Inquiry — NEXA Lending

Daniel Taylor | NMLS# 2703683 | dltaylor@nexalending.com

Mortgage Loan Originator | NMLS# 2703683 | Co. NMLS# 1660690

Daniel Taylor — NEXA Lending

All mortgage origination services provided through NEXA Lending | dltaylor@nexalending.com

Specialty Loan Program

The Doctor Loan Program

Built for medical professionals whose income potential and current finances don't always match a standard mortgage box.

You trained for years to get here — but between med school debt, a newer credit history, and income that's about to change dramatically, a standard mortgage often doesn't reflect the borrower you actually are. The Doctor Loan Program exists to close that gap. Every file is manually underwritten — a real person reviews your complete financial picture, not just an automated system built for a typical borrower.

Who Qualifies

At least one borrower must hold a qualifying medical or clinical degree and use income from that profession to qualify for the loan.

Physicians (MD, DO)

Dentists (DDS, DMD)

Ophthalmologists & Optometrists

Psychiatrists

Pharmacists (PharmD)

Veterinarians (DVM, VMD)

Podiatrists (DPM)

CRNA, PA, NP, CNS

Residents, Fellows & Interns

Exact eligible professions vary slightly by program — see each option below.

Three Ways to Fit Your Situation

Pink, Silver, and Teal each flex differently depending on your specialty, career stage, and financial picture.

Doctor Loan Pink

Best for: the widest range of medical & allied health professionals

Broadest eligibility — includes RN, PA, NP, CNS, CRNA, and chiropractors alongside physicians and dentists
Flexible income and debt guidelines built around your future earning power
Non-occupying co-borrowers allowed (minimum 10% down when used)

Doctor Loan Silver

Best for: residents & fellows with deferred student loans

If your student loans are deferred, in forbearance, or show a $0 payment under an income-driven plan, they can be fully excluded from your DTI — while qualifying on residency/fellowship income
Flexible income and liability treatment beyond standard conventional guidelines
On refinances, cash back at closing is capped at 1% of the loan amount

Doctor Loan Teal

Best for: doctors keeping the loan centered on their own income

Eligibility is narrower than Pink — doctoral-level professions and CRNAs, plus residents/fellows/interns in those fields
Co-borrower income can supplement but can't exceed 50% of total qualifying income
Short-term charge accounts don't have to count against your DTI if you have reserves to cover the balance

The Fine Print, In Plain English

Every Doctor Loan follows standard conventional (Fannie Mae) guidelines, plus extra doctor-specific flexibility on top
Credit documents and title work are generally valid for 120 days from underwriting — after that, they may need to be refreshed
Guidelines, eligible professions, and terms are set by our wholesale lending partners and can change — Daniel will confirm current guidelines against your specific situation

Which Option Fits You?

Let's Match You to the Right Doctor Loan

Every borrower's degree, income timeline, and debt picture is different. Daniel will walk through your situation and tell you honestly which program — or a completely different one — makes the most sense.

ⓘ This page is general educational information, not a commitment to lend. Eligible professions, guidelines, and terms are set by our wholesale lending partners and subject to change without notice. Contact Daniel Taylor, NMLS# 2703683, to confirm current guidelines for your specific situation.

Mortgage Loan Originator | NMLS# 2703683 | Co. NMLS# 1660690

Daniel Taylor — NEXA Lending

All mortgage origination services provided through NEXA Lending | dltaylor@nexalending.com

Specialty Loan Program

Bank Statement Loan Program

Built for self-employed borrowers whose bank statements tell a truer income story than a tax return does.

Running your own business means write-offs, deductions, and a tax return that often understates what you actually bring home. These programs are built around that reality — instead of tax returns, we use at least 12 months of your personal or business bank statements to calculate your real income. Available for purchases, rate-and-term refinances, and cash-out refinances on 1–4 unit homes, including primary residences, second homes, and investment properties.

Who Qualifies

At least one borrower must qualify using bank statement income.

Self-Employed Borrowers

12+ Months Bank Statements

Purchase & Refinance

Primary, Second Home & Investment

1–4 Unit Properties

Four Ways to Fit Your Situation

Yellow, Blue, Orange, and Pink each flex differently depending on your credit, loan size, and goals.

Bank Statement Yellow

Best for: the most flexibility on credit score

Credit scores as low as 620
Up to 90% financing (85% on interest-only)
Loan amounts up to $3,000,000
30-year fixed, or 40-year fixed/interest-only available

Bank Statement Blue

Best for: first-time buyers & those needing a co-borrower

First-time homebuyers welcome
Non-occupant co-borrowers allowed (must be relatives)
Up to 90% financing, loan amounts up to $3,000,000
Buydown options available on the 40-year term

Bank Statement Orange

Best for: larger loan amounts & higher DTI

Debt-to-income ratio up to 55%
Loan amounts up to $3,500,000
Up to 90% financing (85% on 2–4 units)
660 minimum credit score

Bank Statement Pink

Best for: strong cash-out at closing

Unlimited cash-out at 60% LTV or below
Up to $500,000 cash-out above 60% LTV
Up to 85% financing, loan amounts up to $3,000,000
30-year fixed only · 660 minimum credit score

The Fine Print, In Plain English

Cash reserves required after closing generally range from 3 months of your mortgage payment on smaller loans up to 12 months on larger ones, with additional reserves required for each other financed property you own
Certain property types — manufactured homes, non-warrantable condos, and a few others — are excluded on some programs
Specific credit score, LTV, and reserve requirements can include state-specific overlays and vary by loan amount
Guidelines, eligible programs, and terms are set by our wholesale lending partners and can change — Daniel will confirm current guidelines against your specific situation

Which Option Fits You?

Let's Match You to the Right Bank Statement Loan

Every self-employed borrower's bank statements tell a different story. Daniel will walk through your actual deposits and goals to find the option that fits — or a completely different program, if that serves you better.

ⓘ This page is general educational information, not a commitment to lend. Eligible programs, guidelines, and terms are set by our wholesale lending partners and subject to change without notice. Contact Daniel Taylor, NMLS# 2703683, to confirm current guidelines for your specific situation.

Mortgage Loan Originator | NMLS# 2703683 | Co. NMLS# 1660690

Daniel Taylor — NEXA Lending

All mortgage origination services provided through NEXA Lending | dltaylor@nexalending.com

Specialty Loan Program

Temporary Rate Buydown

Ease into your payment — a lower effective payment for the first 1–3 years, without changing your note rate.

A temporary rate buydown sets aside a lump sum up front to lower your effective monthly payment for the first 1–3 years of your loan. Your actual note rate never changes — instead, the funds sit in a subsidy account and are applied each month to offset your payment, so it feels like a lower rate while you settle in. You still have to qualify for the loan at the full note rate, not the reduced buydown payment.

Common Structures

The number tells you how much lower than your note rate you're paying, and for how long.

1-0: 1% lower, Year 1 only

2-1: 2% lower Year 1, 1% lower Year 2

3-2-1: 3%, then 2%, then 1% lower

1-1: 1% lower for Years 1 & 2

After the buydown period ends, your payment steps up to the full note rate for the remainder of the loan.

Four Ways to Fund It

Who pays for the buydown changes what's allowed — here's how each option works.

Seller-Paid

Best for: purchases where the seller offers concessions

Purchases only
3-2-1, 2-1, 1-1, or 1-0 structures
Available on conventional, certain Jumbo, Bank Statement 40-Yr IO Orange, and FHA/VA primary homes
If the home sells or refinances during the buydown, remaining funds pay down principal

Lender-Paid

Best for: purchases & rate-and-term refinances

Purchases: 3-2-1, 2-1, 1-1, or 1-0; Refinances (conventional only): 2-1 or 1-0
Available on conventional, certain Jumbo, Bank Statement 40-Yr IO Orange, and FHA/VA primary homes
If refinanced early, any remaining funds are forfeited — they were never yours to keep

Agent-Paid

Best for: purchases where your agent sweetens the deal

Purchases only — 3-2-1, 2-1, 1-1, or 1-0
Available on conventional, certain Jumbo, manufactured homes, and FHA primary homes
Not allowed on VA, USDA, or construction loans
Agent credits fund it; seller concessions can cover any shortfall

Borrower-Paid

Best for: refinancing your own rate down temporarily

Rate-and-term refinances only — not available on purchases
2-1 or 1-0 structures
Must meet a Net Tangible Benefit test: at least 0.10% lower rate, or a shorter term
Not allowed on FHA, VA, USDA, RefiNow, RefiPossible, or HomeReady refis

The Fine Print, In Plain English

Your note rate doesn't change — you still qualify at the full note rate, not the temporarily reduced payment
RefiNow does not permit any temporary buydown structure
Manufactured homes are only eligible under standard conventional (DU/LPA) guidelines
Eligible loan types, structures, and terms are set by our wholesale lending partners and can change — Daniel will confirm what applies to your specific loan

Which Option Fits You?

Let's See If a Buydown Makes Sense for You

Whether it's worth it depends on your loan type, your timeline, and who's willing to help cover it. Daniel will walk through your specific purchase or refinance and show you the real numbers.

ⓘ This page is general educational information, not a commitment to lend. Eligible structures, loan types, and terms are set by our wholesale lending partners and subject to change without notice. Contact Daniel Taylor, NMLS# 2703683, to confirm current guidelines for your specific situation.

Mortgage Loan Originator | NMLS# 2703683 | Co. NMLS# 1660690

Daniel Taylor — NEXA Lending

All mortgage origination services provided through NEXA Lending | dltaylor@nexalending.com

Specialty Loan Program

DSCR Investment Property Loans

The property qualifies itself. No tax returns, no personal income review — just the rental income doing the math.

DSCR stands for Debt Service Coverage Ratio — a fancy way of asking "does the rent cover the mortgage?" Instead of digging through your personal tax returns, pay stubs, and W-2s, a DSCR loan qualifies you based on the rental income the property itself can generate. That means it works whether you're buying your very first rental or adding your fifteenth door to a growing portfolio.

Who This Is For

DSCR works for real estate investors at any stage — the property qualifies, not your personal financial history.

First-Time Investors

Growing Portfolios

Self-Employed Investors

LLC & Entity Closings

Single-Family to Small Multifamily

Ways Investors Use a DSCR Loan

Same underlying loan, different situations — here's how it tends to get used.

Your First Rental

Best for: investors buying their first property

No personal income or tax returns required to qualify
Skip the DTI maze entirely — the property's rent does the qualifying
Close in your personal name or set up an LLC from day one

House Hacking a Duplex

Best for: living in one unit, renting the other

Live in one side, let the tenant's rent help cover the mortgage
A practical first step into investing while still housing yourself
Same DSCR qualification logic applies to eligible multi-unit properties

Growing a Portfolio

Best for: investors adding to what they already own

No cap on the number of financed properties tied to you personally
Each property qualifies on its own merit, not stacked against personal DTI
Move faster on the next deal without waiting on tax returns

Cash-Out to Reinvest

Best for: pulling equity from an existing rental

Refinance a property you already own to free up capital
Use the proceeds toward your next down payment
Still qualifies off the property's rental income, not personal income

The Fine Print, In Plain English

Typical down payment ranges from 20–25%, with competitive investor pricing
No traditional PMI — investor loans don't carry mortgage insurance the way owner-occupied loans do
Eligible on single-family, duplex, and small multifamily properties
Guidelines, terms, and eligible property types are set by our wholesale lending partners and can change — Daniel will confirm current guidelines against your specific deal

New or Growing?

Let's Talk About Your Next (or First) Deal

Whether this is your first rental or your next portfolio addition, Daniel will walk through the property and the numbers with you — no personal income paperwork required to start the conversation.

ⓘ This page is general educational information, not a commitment to lend. Eligible properties, guidelines, and terms are set by our wholesale lending partners and subject to change without notice. Contact Daniel Taylor, NMLS# 2703683, to confirm current guidelines for your specific situation.

Video Learning | Powered by NEXA Lending

Video Learning

Real education on mortgage programs — on your own time, or live with Daniel

Video Learning

Straight, plain-English education on mortgage programs — no sales pitch, just the real breakdown.

YouTube Video Library

Watch On Your Own Time

▶Coming Soon

New videos launching soon — check back here as the library grows.

AUG

27

Live Webinar

House Hacking with FHA & DSCR Loans: Buying Multi-Family Property the Smart Way

Learn how buyers are using FHA and DSCR loans to purchase multi-family properties — live in one unit, rent out the rest, and let your tenants help cover the mortgage. We'll break down how each loan type works for this strategy and what to look for in a property.

📅 Wednesday, August 27 🕑 7:00 PM CT 🖥️ Live via Zoom

Reserve Your Spot

Free to attend. Daniel will email you the Zoom link before the session.

ⓘ This webinar is for general educational purposes only and is not a commitment to lend. Programs, rates, and terms discussed are subject to borrower and property qualification and are set by our wholesale lending partners. Contact Daniel Taylor, NMLS# 2703683, for guidance on your specific situation.

Mortgage Planning Tool | Powered by NEXA Lending

Run the Numbers

Found a home you love? Plug in the numbers and compare loan programs instantly.

Run the Numbers on a Home You Found

Enter the price, taxes, insurance, and HOA from a listing you're considering — we'll build your full payment picture and let you compare loan programs instantly.

Home Details

Home Price: $400,000

Down Payment: 10% ($40,000)

Annual Property Tax

Annual Home Insurance

Monthly HOA (if any)

Grab these numbers straight from the listing you found. Tax and insurance default to Texas-average estimates until you enter your own.

Compare Loan Programs

Tap a program to see this home's payment under each option.

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ⓘ This tool provides estimated figures for planning purposes only and is not a rate quote, loan offer, or commitment to lend. Enter the actual price, tax, and insurance figures from a specific property for the most accurate estimate. All financing through NEXA Lending, NMLS# 2703683.

Ready to Move Forward?

Get Pre-Approved Through NEXA Lending

Lock in your rate and know exactly what you can afford before you shop.

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Home Equity Tools | Powered by NEXA Lending

Home Equity & Retirement Options

For homeowners who already own — see your equity, then explore a Reverse Mortgage or HELOC

Reverse Mortgage & HELOC Calculators

Enter your home value and remaining mortgage payoff to see your equity, then explore what a Reverse Mortgage (HECM) or HELOC could look like.

Reverse Mortgage (HECM)

For homeowners 62+. Converts home equity into cash — with no monthly mortgage payment required.

Home Value: $500,000

Current Mortgage Payoff: $150,000

Youngest Borrower's Age: 72

*Estimate only. Actual HECM principal limit depends on current interest rates and FHA lending limits. Borrower must complete HUD-approved counseling.

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HELOC

A revolving credit line against your home's equity. Draw what you need, pay interest only on what you use.

Home Value: $500,000

Current Mortgage Payoff: $150,000

Amount You Plan to Draw: $50,000

*Estimate only. HELOC rates are variable (est. Prime + margin). Actual credit line depends on credit, income, and combined loan-to-value approval.

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ⓘ These tools provide rough estimates for planning purposes only and are not a loan offer or commitment. Reverse Mortgage and HELOC eligibility, terms, and amounts are determined by NEXA Lending underwriting, current rates, credit, income, and property appraisal. NMLS# 2703683.

How It Works | NEXA Lending

The 10-Step Loan Process

A clear, step-by-step walkthrough from pre-qualification to closing day

The 10-Step Loan Process

Click any step to see exactly what happens, what Daniel does, and what's needed from you.

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Mortgage Services | NEXA Lending

Who Daniel Serves

First-time buyers, move-up buyers, investors, and realtor partners

🏠

First-Time Home Buyers

Buying your first home is one of the most significant financial decisions you'll ever make — and one of the most exciting. Daniel specializes in guiding first-time buyers through a process that can feel overwhelming, breaking it down into clear, manageable steps with no confusing jargon and no pressure.

You'll know exactly what to expect at every stage, understand exactly what you're signing, and have a trusted advisor in your corner from pre-approval all the way to the closing table.

Programs Available for First-Time Buyers

FHA loans — 3.5% down with credit scores as low as 580
VA loans — $0 down for veterans and active-duty service members
USDA loans — $0 down in eligible suburban and rural areas
Conventional 97 — 3% down for strong credit profiles
Down Payment Assistance (DPA) — grants that cover your down payment entirely
Fast 24-48 hour pre-approval turnaround

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Why Work With Daniel?

Plain-language explanations — no mortgage speak
Personalized program comparison for your situation
Available 7 days a week for questions
Background in real estate as well as lending
Committed to fast, transparent communication

Start with the Checklist

Download Daniel's free Pre-Approval Prep Checklist so you know exactly what documents to gather before you apply.

Mortgage Education | NEXA Lending

Frequently Asked Questions

Common mortgage questions — answered in plain language by Daniel Taylor

Mortgage FAQ

Everything you need to know before you apply — no jargon, no confusion.

Getting Started

What is the difference between pre-qualification and pre-approval? +

Pre-qualification is an informal, quick estimate based on information you provide — no credit check, no document verification. It gives you a rough idea of what you might qualify for but carries little weight with sellers.

Pre-approval is a formal process where Daniel reviews your actual income documents, assets, debts, and pulls your credit score. Once complete, you receive a pre-approval letter stating the specific loan amount and program you qualify for. This letter is significantly more powerful when making an offer because it signals to sellers that you're a verified, serious buyer — not just someone who ran a number through a website. In competitive markets like Houston, a strong pre-approval can be the difference between winning and losing a home.

How much home can I afford? +

A common guideline is to keep your total monthly housing costs (principal, interest, property tax, and insurance) at or below 28% of your gross monthly income. Your total debt payments — including the new mortgage — should ideally stay under 43%, though some loan programs allow higher ratios.

However, every situation is different. Your down payment, credit score, existing debts, loan type, and current interest rates all affect your real number. Use the payment calculator on this site to explore different scenarios, then get pre-approved with Daniel to know your actual purchasing power. A pre-approval takes the guesswork out completely.

What documents do I need to get pre-approved? +

Most borrowers need the following:

• Identity: Government-issued photo ID and Social Security number
• Income: Last 30 days of pay stubs, 2 years of W-2s, 2 years of federal tax returns
• Assets: 2–3 months of bank statements (all accounts, all pages)
• Employment: 2-year employment history
• Self-employed: 2 years of business tax returns plus a year-to-date profit & loss statement

Download Daniel's free Pre-Approval Prep Checklist for the complete list organized by category.

Rates & Costs

What factors affect my mortgage interest rate? +

Your mortgage rate is determined by a combination of personal factors and market conditions:

• Credit score — higher scores unlock lower rates. The jump from 679 to 720+ can save significant money over the life of the loan
• Down payment — larger down payments generally mean lower rates
• Loan type — VA loans typically offer the lowest rates, followed by conventional, then FHA
• Loan term — 15-year loans have lower rates than 30-year loans
• Property type — primary residences get better rates than investment properties
• Market conditions — rates move daily based on economic data, inflation, and Federal Reserve policy

Daniel reviews all of these factors to find the best rate available for your specific situation through NEXA Lending.

What are closing costs and how much should I expect to pay? +

Closing costs are fees paid at the time your loan closes, typically ranging from 2%–5% of the loan amount. On a $350,000 home they might run $7,000–$17,500. They include:

• Loan origination fees
• Appraisal fee ($400–$700 typically)
• Title insurance and title search fees
• Prepaid interest (the days between closing and your first payment)
• Homeowners insurance premium (often 1 year prepaid)
• Property tax escrow (often 2–3 months upfront)
• Recording fees

Some costs can be negotiated, rolled into the loan, or covered by seller concessions. Daniel will provide a Loan Estimate early in the process so you know the exact figures well before closing day.

Mortgage Insurance

What is PMI and how can I avoid it? +

PMI (Private Mortgage Insurance) is required on conventional loans when your down payment is less than 20%. It protects the lender — not you — if you default, and typically adds 0.5%–1% of the loan amount to your annual cost.

How to avoid PMI:
• Put 20% or more down on a conventional loan
• Use a VA loan — VA loans never require PMI regardless of down payment
• Build equity to 20% and request removal (conventional loans require this once you hit 20%)

FHA loans work differently — they have a separate Mortgage Insurance Premium (MIP) that includes an upfront charge of 1.75% of the loan amount plus an annual MIP that generally lasts the life of a 30-year loan. Use the payment calculator on this site to see exactly how PMI or MIP affects your monthly payment.

Credit & Qualification

What credit score do I need to buy a home? +

It depends on the loan type:

• FHA loans: 580+ with 3.5% down; 500–579 with 10% down
• VA loans: No government minimum, but most lenders (including NEXA) look for 580–620+
• USDA loans: Typically 580–640+ depending on the lender
• Conventional loans: 620 minimum, with best rates typically at 740+
• Jumbo loans: Generally 700+

Even if your credit isn't perfect, there may be a program that works for you. Daniel evaluates your full financial picture — not just your score — to find the best path forward. Sometimes a few months of credit improvement can unlock significantly better rates and terms.

What is debt-to-income (DTI) ratio and why does it matter? +

Your debt-to-income ratio (DTI) is the percentage of your gross monthly income that goes toward debt payments. Lenders look at two numbers:

• Front-end DTI: Just your housing costs (mortgage + taxes + insurance + HOA) ÷ gross monthly income. Most programs want this under 28–31%
• Back-end DTI: All monthly debts including the new mortgage ÷ gross monthly income. Most programs allow up to 43–50%

A lower DTI generally means better loan terms and easier approval. If your DTI is high, Daniel can help you identify which debts to pay down first or which loan programs are more flexible on DTI requirements.

Loan Terms

Should I choose a 15-year or 30-year mortgage? +

Both have real advantages — the right choice depends on your goals and budget:

30-Year Fixed:
• Lower monthly payment, more cash flow flexibility
• Easier to qualify for a larger loan amount
• Pay more total interest over the life of the loan
• Good for buyers who prioritize monthly affordability

15-Year Fixed:
• Higher monthly payment — roughly 30–40% more
• Significantly lower interest rate (typically 0.5%–0.75% lower)
• Pay dramatically less total interest
• Build equity much faster
• Good for buyers focused on long-term savings and faster payoff

Use the payment calculator on this site to toggle between 15 and 30-year terms on any home and see the exact monthly difference.

How long does the mortgage approval process typically take? +

From application to closing, the typical mortgage process takes 30–45 days. Here's a general timeline:

• Pre-approval: 24–48 hours with complete documents
• Loan processing: 1–2 weeks after a purchase agreement is signed
• Home appraisal: 3–7 business days for the report
• Underwriting: 3–7 business days (can be longer if conditions arise)
• Closing preparation: 3+ days after the Closing Disclosure is issued

The biggest factor in timeline is how quickly documents are submitted and how cleanly the file is organized. Daniel works to keep your file moving and communicates every update so there are no surprises. See the full 10-Step Loan Process for a complete breakdown.

Still Have Questions?

Daniel is happy to answer any mortgage question — no pressure, no obligation.

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Free Resource | NEXA Lending

Pre-Approval Prep Checklist

Know exactly what to gather before you apply — get approved faster

Client Reviews | NEXA Lending

What Clients Say About Daniel

Real experiences from Houston-area homebuyers

Client Testimonials

Placeholder reviews — replace with your real client testimonials when ready.

ⓘ To add your real reviews, share them in chat and I'll update these immediately.

Ready to Be Our Next Success Story?

Join the growing list of Houston homeowners who trusted Daniel to guide them through the mortgage process.

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Privacy Policy

Effective date: August 2026

The Taylor Closing Group ("we," "us," or "our") respects your privacy. This policy explains what information we collect through this website, how we use it, and the choices you have.

Information We Collect

When you use forms on this site — requesting a pre-approval checklist, submitting a mortgage inquiry, signing up as a realtor partner, or registering for a webinar — we collect the information you provide, which may include your name, email address, phone number, and (where applicable) brokerage name or other details specific to that form.

We do not require you to create an account, and we do not knowingly collect sensitive personal information such as Social Security numbers or financial account numbers through this website.

How We Use Your Information

We use the information you provide to respond to your inquiry, send you the materials you requested, follow up about a loan program you're interested in, confirm a webinar registration, or process a realtor partner request. Information submitted through a mortgage inquiry form may be shared with NEXA Lending as part of the loan origination process. We do not sell your personal information to third parties.

Consent to Be Contacted by Phone, Text & Email (TCPA)

Express consent. By submitting a phone number through any form on this site, you expressly consent to be contacted by Daniel Taylor, NEXA Lending, and our service providers by phone, text message, or email at the number provided — for purposes including marketing, responding to your inquiry, and providing updates on a loan you've applied for. You understand these contacts may be made using an automatic telephone dialing system, an artificial or prerecorded voice, and that this consent applies even if your number is listed on a state, federal, or internal Do-Not-Call registry.

Message and data rates. Standard message and data rates from your mobile carrier may apply to any texts you send or receive from us.

Message frequency. How often you hear from us depends on your inquiry and where you are in the loan process. We aim to keep contact limited to what's genuinely useful. Text delivery isn't guaranteed, and we're not responsible for delays outside our control.

Opting out. You can revoke this consent at any time. To stop text messages, reply STOP, UNSUBSCRIBE, or CANCEL to any message — you'll get one confirmation text and then no further automated messages. To stop calls, contact Daniel directly at (713) 454-2744 or dltaylor@nexalending.com and ask to be placed on our internal Do-Not-Call list. Replying HELP to a text will return our contact information.

Not a condition of service. Providing this consent is never required to apply for a loan or use this website. You're always welcome to contact Daniel directly by phone or email instead.

Third-Party Links & Services

This site links to third-party services, including NMLS Consumer Access, the Texas Department of Savings and Mortgage Lending, and Zoom for live webinars. We are not responsible for the privacy practices of these third-party sites — we encourage you to review their privacy policies directly.

Data Security

We use reasonable measures to protect the information you submit through this site. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Your Rights & Choices

You may request access to, correction of, or deletion of the personal information you've submitted through this site, or ask to be removed from future communications, by contacting us using the information below.

Children's Privacy

This website is not directed at individuals under the age of 18, and we do not knowingly collect personal information from children.

Changes to This Policy

We may update this policy from time to time. The effective date at the top of this page reflects the most recent revision.

ⓘ Questions About Your Privacy

Contact Daniel Taylor at dltaylor@nexalending.com or (713) 454-2744 with any privacy questions or requests.

This policy is provided for general informational purposes and has not been reviewed by an attorney. It does not constitute legal advice.

Terms of Service

Effective date: August 2026

By using this website, you agree to the following terms. If you do not agree, please do not use this site.

Informational Purpose Only

This website and its tools — including all rate displays, payment calculators, and program comparisons — are provided for general educational and illustrative purposes only. Nothing on this site constitutes a loan offer, rate lock, pre-approval, or commitment to lend. Rates, APRs, and payment estimates are examples only and are subject to change based on your creditworthiness, the property, and market conditions at the time you apply.

No Guarantee of Approval

Use of this site, including submitting a form or attending a webinar, does not guarantee loan approval or eligibility for any specific program. All loans are subject to underwriting approval by NEXA Lending and its wholesale lending partners.

Third-Party Links & Services

This site links to and uses third-party services (including Zoom for webinars and NMLS Consumer Access). We are not responsible for the content, accuracy, or availability of third-party sites or services.

Intellectual Property

The content, design, and branding of this website belong to The Taylor Closing Group and NEXA Lending. You may not copy, reproduce, or use this content for commercial purposes without permission.

Limitation of Liability

This site and its tools are provided "as is" without warranties of any kind. To the fullest extent permitted by law, The Taylor Closing Group and NEXA Lending are not liable for any damages arising from your use of this site or reliance on estimates provided by its calculators.

Governing Law

These terms are governed by the laws of the State of Texas, without regard to conflict of law principles.

Changes to These Terms

We may update these terms from time to time. The effective date at the top of this page reflects the most recent revision.

ⓘ Questions About These Terms

Contact Daniel Taylor at dltaylor@nexalending.com or (713) 454-2744.

These terms are provided for general informational purposes and have not been reviewed by an attorney. They do not constitute legal advice.

Required Disclosures & Notices

Federal and Texas state mortgage lending regulations require the following disclosures.

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NMLS & Mortgage Lending Disclosures

Required by the NMLS, Texas SML, and federal mortgage lending regulations

Daniel Taylor (NMLS# 2703683) is a licensed Mortgage Loan Originator operating through NEXA Lending (Company NMLS# 1660690). All mortgage origination services are provided solely through NEXA Lending.

📄 NMLS Consumer Access

Equal Housing Opportunity Lender. Daniel Taylor, NMLS# 2703683 | NEXA Lending, Company NMLS# 1660690. All loans subject to credit approval. Rates subject to change without notice. Not a commitment to lend.

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Rate & Payment Disclosure

Rates and payment estimates on this website are for illustrative purposes only and do not constitute a loan commitment or guaranteed rate. Actual rates and payments vary based on creditworthiness, loan type, LTV, property type, and market conditions. Texas property tax estimated at 2.25% annually. Homeowners insurance at 0.5% annually. PMI at ~0.8% annually where applicable. All estimates should be verified with Daniel directly before making financial decisions.

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Corporate Information

Who this site's mortgage services are powered by

This website is powered by NEXA Lending, a licensed mortgage broker/lender. All mortgage origination services offered through this site are provided solely through NEXA Lending — Daniel Taylor originates loans as a Mortgage Loan Originator licensed under NEXA Lending, not as an independent lender.

Company: NEXA Lending

Company NMLS ID: 1660690

Corporate Address: 5559 S Sossaman Rd, Building 1, Suite 101, Mesa, AZ 85212

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Equal Housing Opportunity

The Taylor Closing Group and NEXA Lending are committed to Equal Housing Opportunity. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance income, disability, familial status, sexual orientation, gender identity, or any other characteristic protected under applicable federal, state, or local law.

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General Website Disclaimer

No commitment. Content on this site is for general informational purposes only and does not constitute a commitment to lend, a rate lock, or a loan offer.
Rates & fees subject to change. Rates, APRs, and fees shown are estimates and may change without notice until locked and confirmed with you in writing.
Accuracy. We aim for accuracy but don't guarantee completeness or uninterrupted availability of this site.
Third-party links. We are not responsible for the content or privacy practices of third-party sites linked from here.
Not legal, tax, or financial advice. Please consult your own attorney, tax advisor, or financial professional for guidance specific to your situation.
Geographic restrictions. Programs shown may not be available in all states or for all loan amounts.

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Loan Disclosures

All loans are subject to credit, income, asset, identity, and property verification.
Your actual APR may vary based on discount points, fees, and other finance charges specific to your loan.
A rate lock is not effective until confirmed with you in writing.
An appraisal or other property valuation may be required.
FHA, VA, USDA, and other government-backed programs are subject to their own eligibility requirements.
Non-QM and specialty programs (Bank Statement, DSCR, Renovation, and similar) carry their own distinct pricing and risk considerations.

ⓘ NMLS Consumer Access

You may verify the licensing status of Daniel Taylor and NEXA Lending at the NMLS Consumer Access portal.

📄 Visit NMLS Consumer Access

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