The lender for every buyer, including the complicated ones.
Conventional, FHA, VA and jumbo, plus bank statement, DSCR, 1099 and ITIN when the file is harder. Written pre-approval in 24 hours and a text to you at every milestone.
Reviewed by Chris Harris, NMLS #2011725 · Updated
What you can hold me to
- Same hour. I call your buyer and text you that I reached them.
- Same day. Your buyer gets a written needs list matched to their situation.
- 24 hours after documents. A written pre-approval against real guidelines, or a clear no with the reason.
- Every milestone. Appraisal ordered, appraisal in, conditions out, clear to close, funded. A text each time, before you ask.
- Bad news the same hour, with the plan to fix it.
My cell: (813) 582-7432. Answered seven days a week.
Which buyer goes where
Collect the three documents before you write the offer and the file starts clean.
| Buyer | Program | Down / credit floor | Collect before the offer |
|---|---|---|---|
| Self-employed, big write-offs, declined on tax returns | 3.5% down P&L | 3.5% / 640 | 24-month income worksheet (we send it), business license, 2 months bank statements |
| Self-employed with strong deposits, wants to keep cash in the business | Bank statement, 12 or 24 months | 10 to 20% / 620 to 660 | 12 months business bank statements, proof of 2 years self-employed, ID |
| 1099 contractor or gig worker | 1099-only loan | 10 to 15% / 640 | Last 1 to 2 years of 1099s, 2 months bank statements, ID |
| Investor buying a rental | DSCR, rent covers the payment | 20 to 25% / 660 | Lease or market rent, 2 months asset statements, LLC docs if applicable |
| W-2 buyer, low down payment or lower score | FHA | 3.5% / 580 | 30 days paystubs, 2 years W-2s, 2 months bank statements |
| Buyer who needs the down payment out of a home they own | HELOC or HELOAN on the departing home | Keeps 10 to 15% equity / 660 | Mortgage statement, insurance, 30 days income docs |
| Buyer with no SSN | ITIN loan | 15 to 20% / 660 | ITIN letter, 2 years returns or 12 months bank statements, passport |
| Buying land or building | Land loan or construction-to-perm | 20 to 30% / 680 | Contract, builder budget and plans, 2 months asset statements |
Rates depend on credit, down payment and reserves and are quoted on the pre-approval call, never as a teaser.
How to hand me a buyer
One text with four lines. I take it from there and keep you posted.
Maria L. 813-555-0142 Owns a cleaning company, 4 years $350k to $400k, Riverview Declined at a bank for write-offs
Who you are sending them to
Founded by Chris Harris — UCLA-trained electrical engineer, former NASA intern, inventor of a robotic medical device. Best Finance was built to bring engineering rigor to mortgage lending.
Straight answers
Do you pay referral fees or split marketing?
No. RESPA bars anything of value for a referral, and I follow it to the letter. What you get is a lender who closes the hard files, answers the phone, and sends you business when I have a buyer without an agent.
Will my buyer end up with another agent?
Never. Your buyer stays your buyer. I do not run buyer-lead programs and I do not refer your client to anyone else.
How fast is the pre-approval really?
Within 24 hours of receiving the documents on the needs list. The letter is written against the actual program guidelines, not a soft estimate, so listing agents can rely on it.
What if the file turns out not to work?
You hear it the same hour, with the reason and what would change the answer. No surprises in week three.
Where are you licensed?
Florida and 24 states in total through NEXA Mortgage, so relocation buyers and out-of-state investors are fine.
Best Finance is a DBA of NEXA Mortgage LLC, NMLS #1660690. Chris Harris NMLS #2011725. This page is for real estate professionals and is not a commitment to lend. Program terms change and are confirmed in writing on each file. Equal Housing Opportunity.