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 Exclusive Rate Reduction Offer – FHA or Conventional Loan

Valid for Purchases in Pennsylvania, New Jersey, or Florida

If you are purchasing a residential property in PA, NJ, or FL and can provide a legitimate Preliminary Loan Estimate (LE) or Pre-Qualification Letter (with a stated interest rate) dated on or before December 31, 2025 for an FHA (non-rehab) or Conventional Loan from a lender not affiliated with NEXA, I am offering a 50 basis point (0.50%) rate reduction—subject to the following conditions:

Eligibility Criteria:

1. Under Contract
   The buyer (s) must be under a fully executed purchase contract for a residential property or intend to purchase a home in PA, NJ, or FL.
    
2. Valid Loan Estimate or Pre-Qual Letter
   Must provide a valid Preliminary LE or Pre-Qualification Letter from a licensed lender not associated with NEXA Mortgage, with a clearly stated interest rate.
   (Verbal quotes will not be accepted. If your current loan officer cannot or will not provide written documentation, consider that a red flag—and a reason to contact me.)
    
3. Credit Eligibility
   Must show creditworthiness for FHA or Conventional financing. A credit report or proof of credit score via your bank or credit card provider is acceptable.
    
4. No DPA Programs
   This offer excludes applicants using Down Payment Assistance (DPA) programs.
   (While I offer assistance with DPA, those loans are not eligible for this rate reduction offer.)
    
5. Time to Close
   There must be adequate time to process and close the loan based on contract deadlines and complexity.
    
6. Rate Commitment Conditions
   Once eligibility is confirmed, I will issue a custom Preliminary LE for the property. If no property is yet under contract, the rate offer may still be extended; however, it is subject to change or withdrawal if borrower circumstances change (e.g., new debt, missed payments, reduced assets).
    
7. Secure Document Submission
   Upon acceptance of this rate offer, I will provide a private encrypted folder for securely uploading financial documents (e.g., pay stubs, tax returns, bank statements).
   (No documentation is required until the initial rate offer is reviewed and accepted.)
    

Important Disclaimer:
This exclusive offer is presented solely by Eliud Gautier (NMLS #390719). It is not an official offer of credit from NEXA Mortgage, LLC or any of its other loan officers.