✓ No hard credit inquiry to see your options — zero impact on your credit score

NEXA Lending
NEXA Lending • Licensed Mortgage Broker
Licensed with the Nationwide Mortgage Licensing System (NMLS) Click to verify — NEXA Mortgage NMLS #1660690

Your Bank Takes 45 Days.
We Fund in as Little as 5 Business Days.

Home Equity Line of Credit up to $750K. No credit check to see your initial options. No appraisal needed on most homes. Your first mortgage stays untouched.

See My Options

No credit check to see options.

60 seconds • No hard inquiry • No obligation

No Calls. No Pressure.
No Games.
Just a Private, Digital Experience.

Tired of filling out a form and getting bombarded with calls from five different lenders? We don't do that. Our entire process is AI-driven, which means:

×

Nobody Calls You

No salespeople dialing your phone. No "just checking in" calls at dinner. Our AI handles everything digitally. A live loan officer only contacts you if you request one.

Your Info Stays With Us

We never sell, share, or hand off your information to other lenders, marketers, or anyone else. Period.

100% Your Decision

See your options, take your time, and decide on your own terms. Move forward only if it makes sense for you. No pressure. No expiring offers. No guilt trips.

Completely Private

No one looks at your application until you're ready. The AI gives you answers instantly — no human reviews your info unless you choose to proceed.

We protect you from trigger lead calls too. After you apply, credit bureaus can legally sell your data to dozens of lenders within seconds. We walk you through a free 2-minute opt-out that stops it before it happens. OptOutPrescreen.com — free federal program under the FCRA.

We Go Even Further — We Protect You From Other Lenders Too

Remember: we do not need a hard credit inquiry to show you what you qualify for. You can see your options right now with just a soft pull — zero impact on your credit score.

But here's something most lenders will never tell you: if you decide to move forward down the road and a hard inquiry becomes necessary, the credit bureaus can sell that data to dozens of other lenders within seconds. That's why people get flooded with calls from companies they never contacted.

We help you prevent that before it ever happens. Since you'll have time between seeing your options and deciding to move forward, we'll walk you through a free 2-minute opt-out that stops the harassment before it starts. It's one more way we look out for you — not just during the process, but after it too.

Opt Out of Trigger Leads at OptOutPrescreen.com ★ Official Federal Program Under the Fair Credit Reporting Act (FCRA)
Operated by Experian, Equifax, TransUnion & Innovis • Free • Takes 2 minutes

“We believe if the numbers make sense, you don't need to be convinced. You just need the information to make your own decision.”

LICENSED WITH THE NATIONWIDE MORTGAGE LICENSING SYSTEM (NMLS)

AI-Powered Process.
Licensed Professional Behind It.

You'll never be pressured to speak with anyone. But when you're ready — whether you have a question, need guidance, or want help navigating your approval — a real, state-licensed loan officer is here for you. Not a call center. Not a chatbot. A licensed professional who represents you to the lender.

Mike Osgood - Senior Loan Originator

Mike Osgood

Senior Loan Originator • NMLS #1203390
Call or Text: (407) 490-4175 • [email protected]

State-licensed and nationally registered through the Nationwide Mortgage Licensing System (NMLS) under the SAFE Act. Background checked, tested, and continuing-education certified. My license is publicly verifiable — because transparency matters.

Verify My License on NMLS NMLS Consumer Access • Official National Registry
NEXA Mortgage LLC — Nationwide Mortgage Licensing System #1660690 Verify Broker License with NMLS
Available when you need guidance
Represents you to the lender
Never contacts you unless you ask
Helps maximize your approval amount

How It Works

Three simple steps to access your home equity

1

Answer a Few Questions

Quick online application from your phone or computer. Basic info only — no documents needed to start.

60 seconds
2

Get Your Options

Instant offer eligibility check. Only a soft credit pull — no impact on your score.

Minutes, not weeks
3

Access Your Funds

Accept your offer, sign disclosures, and get funded. No appraisal needed on most homes.

As little as 5 business days

Why Homeowners Choose This HELOC

Lines Up to $750K

Access the equity you've built without limits holding you back.

Keep Your Low Mortgage Rate

Your first mortgage stays completely untouched. No refinancing required.

Funded in Days, Not Months

Skip the 45-day bank wait. Our streamlined process closes in as little as 5 business days.

No Hard Inquiry to Start

See what you qualify for with just a soft pull. Hard inquiry only if you accept and move forward.

No Appraisal Needed

Automated valuation on most homes. No scheduling, no waiting for an appraiser.

Interest-Only Payments

Only pay interest on what you use during the draw period. Maximum cash flow flexibility.

Bank HELOC vs. Our HELOC

See why homeowners are making the switch

Traditional Bank
Our HELOC
Funding Speed
30-45 days
As little as 5 business days
Application Time
Branch visit required
60 seconds online
Appraisal
Required (2-3 weeks)
Not needed on most homes
Credit Check to Start
Hard inquiry
Soft pull only
Your First Mortgage
Untouched
Untouched

Ready to See Your Options?

60 seconds. No hard inquiry. No obligation. Just answers.

Check My Options Now

Common Questions

Will this affect my credit score?
No. We only do a soft credit pull to show you your options. This has zero impact on your credit score. A hard inquiry only happens if you decide to accept an offer and move forward with the full application. You're in complete control.
How fast can I get funded?
As little as 5 business days from application to funding. Some borrowers close even faster. The most common delay is if a manual income review is needed, which can add up to two weeks — but that's still far faster than the 30-45 days most banks take.
Will I lose my current mortgage rate?
Absolutely not. A HELOC is a separate line of credit that sits behind your first mortgage. Your existing mortgage rate, payment, and terms stay exactly the same. This is NOT a refinance.
What can I use the funds for?
Anything you need — debt consolidation, home improvements, tuition, investments, business purposes, or just having a financial safety net. The funds are yours to use as you see fit.
How much can I borrow?
Lines of credit range from $25,000 to $750,000, depending on your home equity, credit profile, and property value. The 60-second application will show you exactly what you qualify for.
What do I need to apply?
Just basic information — your name, address, estimated home value, and mortgage balance. No documents, no tax returns, and no pay stubs needed to see your options. Everything is done online in about 60 seconds.
How do payments work?
During the 5-year draw period, you only pay interest on the amount you've actually used — not the full line amount. After the draw period, you repay the balance over the remaining term. You can also pay down and redraw as many times as you want during the draw period.
Mike Osgood - Senior Loan Originator

Mike Osgood

Senior Loan Originator • NMLS #1203390

Specializing in home equity solutions for homeowners across Florida and Georgia. I make it easy to access your equity quickly, without the runaround you get from banks.

(407) 490-4175 • Call or Text • [email protected]

Your Equity Is Waiting.
See Your Options.

60-second application • No hard inquiry • No obligation

See My Options

No credit check to see options.

Serving homeowners across Florida & Georgia
Check My Options — No Hard Inquiry Free to check • 60 seconds • No obligation