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Review My Savings
Monthly Client Edition · NEXA Mortgage

Slash Monthly Outflow.
Build Strategic Equity.

$940/mo avg saved Up to 102% renovation ROI Before/After value proofs
Warm cozy family home at golden hour
Monthly Outflow Cut
+$940/mo
$11,280/yr kept in your bank
102% ROI
Curb appeal project
$940/mo
Avg Monthly Outflow Cut
NEXA client outcomes consolidating 2+ debts
21.5%+
Avg Non-Mortgage Debt APR
Federal Reserve Consumer Credit G.19 report
102%
Exterior Stone Veneer ROI
Cost vs. Value 2024 National Averages
8 Sec
Appraisal 'Curb Clock'
National Assoc. of Realtors Buyer Impression Survey
$11,280+
Annual Outflow Recovered
Average annual cash kept in family bank accounts
Financial Strategy

Why Refinance? To Wipe Out High-Interest Bills.

Carrying card balances at 21%+ or heavy auto loans burns cash every month. Restructure those liabilities into your home and gain immediate disposable income.

Family Debt Roll-Up ($45k non-mortgage debt cleared)
-$940/mo

Family Debt Roll-Up ($45k non-mortgage debt cleared)

Non-Mortgage Debt Cleared
$45,000
Cards + auto eliminated
Monthly Cash Saved
+$940/mo
Direct into checking
Old combined outflow$3,580/mo
New single payment$2,640/mo
Featured in this monthly editionRun my numbers →
High-Interest Credit Card & Medical Clean Slate
-$1470/mo

High-Interest Credit Card & Medical Clean Slate

Non-Mortgage Debt Cleared
$66,000
Cards + auto eliminated
Monthly Cash Saved
+$1,470/mo
Direct into checking
Old combined outflow$4,590/mo
New single payment$3,120/mo
Featured in this monthly editionRun my numbers →
Two-Car Payment & Card Consolidation
-$1060/mo

Two-Car Payment & Card Consolidation

Non-Mortgage Debt Cleared
$52,000
Cards + auto eliminated
Monthly Cash Saved
+$1,060/mo
Direct into checking
Old combined outflow$3,420/mo
New single payment$2,360/mo
Featured in this monthly editionRun my numbers →
Solo Homeowner Monthly Breathing Room
-$750/mo

Solo Homeowner Monthly Breathing Room

Non-Mortgage Debt Cleared
$35,000
Cards + auto eliminated
Monthly Cash Saved
+$750/mo
Direct into checking
Old combined outflow$2,840/mo
New single payment$2,090/mo
Featured in this monthly editionRun my numbers →
Full Renovation Financing Suite

Renovation, Fix & Flip, and Construction Loans

Compare government-backed homeowner rehab programs (FHA, VA, USDA, Conventional) alongside investor fix-and-flip lines and ground-up construction options.

Most Popular for BuyersPrimary Homeowner

FHA 203(k) Renovation Loan

Finance Purchase or Refinance + Rehab in 1 Single Mortgage

Down Payment3.5% down on combined purchase + rehab total
Max Financing110% of After-Repair Value (ARV)
View Program Details
0% Down Military SpecialPrimary Homeowner

VA Renovation Loan

0% Down Financing for Veterans, Active Duty & Eligible Surviving Spouses

Down Payment0% down payment required
Max Financing100% of After-Repair Value (ARV)
View Program Details
100% Rural FinancingPrimary Homeowner

USDA Combination Renovation Loan

100% Financing for Rural & Suburban Fixer-Uppers

Down Payment0% down payment
Max Financing100% of After-Repair Value (ARV)
View Program Details
Most Flexible TermsBoth

Fannie Mae HomeStyle® / Freddie Mac ChoiceRenovation

Flexible Conventional Financing for Primary, Second Homes & Investment Rentals

Down Payment3% – 5% down for primary; 10% for second homes; 15% for rentals
Max Financing75% – 95% of After-Repair Value (ARV)
View Program Details
Investor Fast-FundInvestor / Builder

Fix-and-Flip Short-Term Investor Line

Fast Capital for Real Estate Investors & Property Renovators

Down Payment10% – 15% down (Finances up to 90% purchase + 100% rehab budget)
Max Financing70% – 75% of After-Repair Value (ARV)
View Program Details
Build / Major AdditionBoth

Ground-Up Construction & Major Expansion Loans

Single-Close or Two-Step Financing from Lot Acquisition to Finished Home

Down Payment5% – 10% for primary home construction; 15-20% for builders
Max Financing80% – 90% of Completed Appraised Value
View Program Details
Most Popular for BuyersNEXA Lending Program Guide

FHA 203(k) Renovation Loan

Finance Purchase or Refinance + Rehab in 1 Single Mortgage

Apply for FHA Funding

Key Underwriting Specs

Down Payment Requirement3.5% down on combined purchase + rehab total
Minimum Credit Score580+ FICO
Maximum Financing Limit110% of After-Repair Value (ARV)
Target AudienceHomebuyers or owners wanting to buy or refi a fixer-upper with low down payment.

How This Loan Works & Key Advantages

Limited 203(k): up to $35,000 for non-structural updates (paint, kitchen, roof, HVAC)
Standard 203(k): major structural additions, foundation repairs, room expansions
One single loan, one monthly payment, one closing cost set
Appraisal based on estimated Future Value (ARV) after work completion
Draw Schedule & Execution:
NEXA holds contractor repair draws in escrow. The licensed contractor completes phases, inspector verifies, and funds release directly to trades.
Value Optimization Guide

Seasonal Upgrades: What Appraisers Actually Reward

Every season spotlights high-return projects matched to the calendar so you never waste renovation dollars on zero-return fads.

Spring home improvement project
Spring102% ROI
Q1 Focus
Manufactured Stone Veneer Exterior102%
Steel Entry Door & Modern Hardware100%
Lawn Aeration, Mulch & Architectural Edging233%
Summer home improvement project
Summer83% ROI
Q2 Focus
Composite Deck Addition or Expansion83%
Minor Kitchen Refresh (Painted Cabinets + Quartz Countertop)98%
Exterior Power Washing, Siding Touch-Up & Trim Paint189%
Fall home improvement project
Fall92% ROI
Q3 Focus
Bathroom Spa Refresh (Floating Vanity + Frameless Glass)92%
High-Efficiency Hybrid Heat Pump & Smart Thermostats79%
Interior Neutral Paint (Greige & Warm Alabaster)141%
Winter home improvement project
Winter110% ROI
Q4 Focus
Attic Air Sealing & Blown-In Cellulose Insulation110%
Modern Matte Black / Satin Nickel Lighting Package181%
Garage Storage Systems & Epoxy Flake Floor90%

Monthly Homeowner Pulse & Poll

Interactive tally included in every monthly email — vote and compare with other homeowners!

1,484 responses
Monthly Outflow Strategy

If you could eliminate $850+ in monthly bills tomorrow, what would you tackle first?

See how 1,480+ enrolled homeowners voted this month:

Click any option above to cast your vote and reveal how your neighbors answered.
Fresh results updated with each monthly edition

Your Monthly Homeowner Edition

Your monthly briefing on bill-consolidation savings, seasonal value projects, and real homeowner transformations.

October EditionFall · Monthly Issue
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Seasonal Home ROIOctober Edition
Cozy autumn greetings 🍂
October · Fall edition · Monthly Homeowner Wealth & Value Guide
Subject Line

Winter weatherization: Stop the draft and pocket $150/mo on utilities

Preheader: 92% ROI — Bathroom Spa Refresh (Floating Vanity + Frameless Glass) (Avg recoup: $8,200)

Fall home improvement
Bathroom Spa Refresh (Floating Vanity + Frameless Glass)92% ROI
Fall High-ROI Home Improvement
92% ROI
Bathroom Spa Refresh (Floating Vanity + Frameless Glass) (Avg recoup: $8,200)

Welcome to Fall! Timing your projects by season yields the highest dollar return — whether you're selling soon or just building equity.

This month's focus: Bathroom Spa Refresh (Floating Vanity + Frameless Glass). Indoor remodel season before holiday guests arrive; trades contractors have higher schedule availability before the new year.

The math: invest ~$8,900, recoup ~$8,200 (92% cost recovered). Swap framed tubs for a frameless glass shower and high-contrast tile. Smaller baths feel double the size.

Fund it smart: a small bill-restructuring refi means you never put materials on a 21% credit card.

High-Interest Credit Card & Medical Clean Slate
-$1470/mo Outflow
Debt Roll-Up Outflow Breakdown+$1,470/mo kept
Old Monthly Bills
$4,590/mo
Mortgage + Cards + Auto
New Combined Outflow
$3,120/mo
1 Simple Home Payment
Monthly Cash Freed
+$1,470/mo
Discretionary cash
Non-Mortgage Debt Cleared
$66,000
Cards + auto eliminated
Bathroom Spa Refresh (Floating Vanity + Frameless Glass) — Fall home improvement92% ROI
Fall Home Improvement Value Tip

Bathroom Spa Refresh (Floating Vanity + Frameless Glass)

Swap framed tubs for a frameless glass shower and high-contrast tile. Smaller baths feel double the size.

Est. Resale Boost
+$8,200
Avg. Cost
$8,900
Monthly Community Question
Tally Included

Which home space feels most ready for a value-boosting refresh?

Kitchen cabinets & countertops46%
Primary bathroom & shower26%
Curb appeal, front door & landscaping18%
Backyard patio or deck setup10%
Your Next Step

Planning a renovation? Get a quick consultation on which projects appraisers in your neighborhood reward most.

Review My Project ROI
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NEXA Mortgage LLC NMLS #1660690 | LO NMLS #1196378 | AZ Banker License AZBK-2006218

NEXA Mortgage LLC is an Equal Housing Lender and Equal Housing Opportunity provider.

Rates and terms are subject to change without notice. Not a commitment to lend.

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