NEXA Lending
Nathan O'Rielly · Mortgage Loan Originator · NMLS #2480611
Mortgage financing without the runaround.
Straight answers for homebuyers, real numbers for investors, and reliable communication for Realtor partners. One point of contact from the first question to the closing table.
- Same-day pre-approvals
- Investor-friendly programs
- Licensed in multiple states
Nathan O'Rielly
Mortgage Loan Originator · NMLS #2480611
Who I work with
Three kinds of clients, one standard of service.
Every path starts the same way: an honest look at the numbers before anyone commits to anything.
Homebuyers
Know your real number before you tour a single home, then close on a timeline your seller can trust.
Buying a homeInvestors
DSCR, portfolio structuring, and renovation financing for people building rental income on purpose.
Investor financingRealtors
A lending partner who answers the phone, updates your clients, and protects your closing date.
Partner with NathanLoan programs
The right program is the one that fits your situation.
A quick look at the financing most of my clients use. If you're not sure which applies to you, that's exactly what the first conversation is for.
Conventional
The standard path for strong credit and steady income, with flexible down payment options.
FHA
Lower down payment and more forgiving credit guidelines for many first-time buyers.
VA
Earned benefits for veterans and active duty — often zero down and no monthly mortgage insurance.
DSCR
Investment property financing qualified on the property's rent, not your personal income.
Renovation Loans
Finance the purchase and the improvements together on a home that needs work.
HELOC
Tap existing equity for renovations, a down payment, or consolidating higher-rate debt.
First-Time Buyer
Down payment assistance and low-down programs explained in plain language.
Self-Employed & Complex Income
Bank statement, P&L, asset depletion, and 1099 options for business owners and contractors.
From the feed
“Can They Buy It?”
It's the series my followers know me for. I take a real-world scenario — a couple with student loans, a 1099 earner, a buyer with a 3% raise and a car payment — and walk through whether they can actually buy the house, and what it would take.
No hype, no clickbait math. Just the same underwriting logic I use every day, shown out loud so you can see where you stand before you ever fill out an application.
Send me your scenarioThis week's scenario
Can they buy it? In most cases, yes — with the right program and a plan for closing costs. The details are where it's decided.
Client experience
What people say after closing.
“Nathan answered every question before we had to ask it. First home, zero confusion, closed on time.”
“I sent him a duplex on a Sunday and had DSCR numbers back that night. He thinks like an investor.”
“My clients get real updates, not silence. That's why Nathan is the lender I introduce first.”
About Nathan
A lender who explains the why, not just the rate.
I became a loan originator because too many good buyers were being told 'no' without ever being told what would turn it into a 'yes.'
Working through NEXA Lending gives my clients access to a broad set of lenders and programs, so the loan is shaped around the borrower instead of the other way around. You'll always know what's happening, what's next, and what it costs.
More about NathanQuestions
Answers before you apply.
Start here
Tell me where you're at.
A few details is all it takes to get a real answer. Prefer to move straight to a pre-approval? Use the secure application instead.