Unlock Your Dream Home with Affordable Mortgage Solutions
Find the Perfect Mortgage Plan Tailored to Your Needs
we understand that buying a home is one of the most significant investments you'll make in your lifetime. That's why we offer customized mortgage solutions designed to fit your unique financial situation. Whether you're a first-time homebuyer or looking to refinance, our team of experienced lenders is here to guide you every step of the way. Explore our competitive rates and flexible terms to make your dream of homeownership a reality.
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
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Unlock Your Dream Home with Our Mortgage Solutions.
Who we are?
Your Trusted Partner in Home Financing
We’re more than just mortgage originators—we’re your dedicated partner in making homeownership a reality. Our team works closely with you to understand your goals and provide tailored mortgage solutions that fit your lifestyle and budget. From first-time buyers to experienced homeowners to investors, we’re here to offer guidance, support, and expertise every step of the way.
Why choose us?
Building Foundations for a
Brighter Future
Home Purchase
Refinance
Loan Options
Mortgage Payment Estimator
Quick estimate—no email required. Adjust the numbers and see the monthly payment update instantly.
Your Journey to Homeownership Starts Here
We simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
what we offer ?
Effortless Mortgages, Realize Your Dreams
We streamline the mortgage process to make your homeownership dreams a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
Personal Residence
Personal residence mortgages enable you to finance property for you and/or your family to live in personally. This can be a first home or multiple homes.
280+ Lender Options: Tailored solutions for real estate properties.
Expert Assistance: Guidance through the full transaction.
Seamless Experience: From application to closing, we handle the details so you can focus on your move, not the mortgage.
Clear Communication: You’ll always know where your loan stands — no surprises, no silence.
FHA Loans
Buying your first home* can feel overwhelming, but an FHA loan makes it easier. Lower credit score requirements and smaller down payments open the door to homeownership for more people.
*NOT JUST FOR FIRST TIME HOME BUYERS
Low Down Payment: Start with as little as 3.5% down.
Flexible Credit Options: Qualify even if your credit is still building.
Clear Guidance: We help you understand every step from approval to closing.
VA Home Loans
You’ve served your country, now let us serve you. With $0 down and competitive terms, VA loans make homeownership easier for qualified veterans and active-duty service members.
No Down Payment: 100% financing available for eligible borrowers.
Lower Rates: Government-backed security means better terms.
Streamlined Approval: Fast, veteran-first process from start to finish.
USDA Loans
If you are looking for affordable living outside city limits, a USDA loan may be perfect for you. These loans help homebuyers in eligible rural and suburban areas purchase with no money down.
Zero Down Payment: Buy a home with 100% financing.
Low Monthly Costs: Enjoy reduced mortgage insurance and great rates.
Community Focus: Designed to help families settle into growing areas.
Refinance Loans
Refinancing doesn’t have to be confusing. Whether you’re lowering your rate, cashing out equity, or shortening your term, we’ll help you choose the right path to maximize savings and long-term stability.
Rate Reduction Options: Secure a better rate and lower your payment.
Cash-Out Refinances: Tap your home’s equity to invest, remodel, or consolidate debt.
Streamlined Process: Fast, transparent, and guided every step of the way.
Cash-Out Loans
Your home has value. Let’s put it to work. Use your equity for renovations, debt payoff, or building your next investment.
Flexible Cash Access: Choose how much equity to pull, when you need it.
Simple Qualification: No-nonsense guidance and quick approvals.
Smart Strategy: Keep your long-term financial goals front and center.
Rental Loan
Build long-term wealth through real estate. Bow Tie Loans helps investors secure financing for single-family rentals, multi-units, and short-term investment properties with flexible terms and clear guidance from start to finish.
280+ Lender Options: Access investor-friendly programs designed for cash flow and growth.
Smart Loan Structures: Conventional, DSCR, and portfolio loans customized for your strategy.
Competitive Rates: Financing built to maximize returns, not stress.
Investor-Focused Support: We speak your language — ROI, equity, and future potential.
Renovation Loans
Buy it, fix it, love it. Renovation loans let you roll purchase and repair costs into one loan, so you can transform a fixer-upper into your dream home.
All-in-One Financing: One loan covers purchase + renovation.
Flexible Budgets: Finance projects big or small.
Expert Guidance: We’ll help you choose the right improvement loan for your vision.
Jumbo Loans
When your dream home needs a little more room in the budget, a Jumbo Loan provides the financing flexibility you need. Perfect for higher-value homes and unique properties.
Higher Loan Limits: Finance homes above conventional limits.
Competitive Rates: Big loans with smart lending options.
Personalized Solutions: We tailor your loan to fit your long-term goals.
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
Frequently Asked Questions
Can I get pre-approved before finding a home?
Yes. Actually, it is the preferred way to house shop! Many agents will give you one or MAYBE two houses without a pre-approval, however they are not required to. You wouldn't go grocery shopping and fill up your cart without knowing how much money you have in your bank account, right? Getting pre-approved helps you know what you can afford and makes your offer stronger. We can complete a pre-approval through my application and likely have you ready to shop within hours.
What credit score do I need to qualify for a mortgage?
Most loan programs start around 580 to 620, but the right lender match can make a big difference. With over 280 lending options, we help find the best fit for your situation. We have some that will go as low as 550.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an estimate based on basic info that you provide. Think of it as me hearing you tell a story and just believing it.
Pre-approval is verified by a lender and carries more weight with sellers. Now that I have heard your story, let me fact check it!
How much money do I need for closing costs?
Closing costs typically range from 2% to 5% of your purchase price. I’ll help you review exact estimates and explore ways to reduce or roll some of those costs into your loan.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from a few days to several weeks. We strive to make the process as quick and efficient as possible.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
© 2025 Bow Tie Loans. All rights reserved.
Equal Housing Lender. NMLS #2684171. Licensed Mortgage Loan Originator with NEXA Mortgage, LLC. NMLS #1660690.
www.nexamortgage.com | 3100 W Ray Rd, Suite 201, Office #209, Chandler, AZ 85226
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice and may vary based on borrower creditworthiness, qualifications, and property type. Bow Tie Loans and NEXA Mortgage, LLC are not affiliated with any government agency.
Information on this website is for informational purposes only and does not constitute a commitment to lend.
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