HELOC
- Access to funds
- Draw as needed during the draw period; repaid credit can become available again.
- Interest rate
- Usually adjustable; payments can change.
- Planning question
- Can your budget handle rate changes and the repayment-period payment?
Mary KatunguMKAT LendingNMLS #1878014
MKAT Lending · NEXA Lending
Mary Katungu
Mortgage Loan Officer · NMLS #1878014
Works with 300+ banks & lenders to help you explore more loan options.
Access through NEXA’s lender network. Availability varies by program and state.
About Mary
Mary Katungu is a multistate Mortgage Loan Officer with NEXA Lending. She helps first-time buyers, military families, self-employed borrowers, real estate investors and business owners understand financing choices and prepare a strong application. Mary speaks English and Swahili and also communicates in American Sign Language (ASL).
Licensing, contact & original attachments
Mary Katungu
Mortgage Loan Officer · NMLS #1878014
NEXA Lending · Company NMLS #1660690
Licensed states: CO, TX, WA, OR, OK, MO, MN, AR
5559 S. Sossaman Rd., Mesa, AZ 85212
Profile and licensing details supplied in Mary’s attachments. Program availability varies by state and lender.
Open the supplied images for the original profile, biography, and homebuyer readiness worksheet. The interactive worksheet is available below.
Home & property
Construction
Business & commercial
Know your starting point
A little preparation.A more useful conversation.
Take the homebuyer worksheet or the refinance checklist. Get a clear, color-coded preparation range and practical next steps — without submitting a loan application.
Home-ready assessment
Answer each question: Yes = 2 points, Not sure = 1 point, No = 0 points. Complete all 11 questions to see your preparation score and next steps.
Homebuyer questions and score ranges follow the attached worksheet. This checklist is a conversation starter, not a list of universal mortgage requirements.
0 / 11 answered
Refinance-ready assessment
Answer each question: Yes = 2 points, Not sure = 1 point, No = 0 points. Complete all 11 questions to see your preparation score and next steps.
The refinance questions are a general planning checklist using the same 0–22 preparation scale. They do not predict approval or whether refinancing will save money.
0 / 11 answered
Make the numbers clearer
Your goals.Your planning tools.
Six focused calculators in three simple tabs. Enter your own figures in USD. All fields are required; enter 0 only when an expense does not apply. No rates or lender terms are preset.
Purchase Power Calculator
Work backward from your comfortable monthly housing budget. This is a budget estimate, not a lender qualification or preapproval.
Taxes and insurance are fixed dollar estimates here and may change with the property price. Closing costs, reserves, utilities, repairs, debt-to-income limits, and eligibility are not included.
Monthly Payment Calculator (PITI + HOA)
Estimate principal, interest, property taxes, homeowners insurance, HOA dues, and any monthly mortgage insurance.
Fixed-rate, fully amortizing illustration. Upfront financed fees, closing costs, utilities, repairs, adjustable rates, and future escrow changes are excluded.
DSCR Cash Flow Calculator
Illustrative residential DSCR = gross monthly rent ÷ monthly principal, interest, taxes, insurance and HOA. Separately estimate cash flow after vacancy and operating allowances.
Lender DSCR methods and requirements vary. Commercial underwriting may use net operating income instead. Negative cash flow is possible. This is not a profitability forecast or loan approval.
Refinance Break-Even Calculator
Compare monthly payment savings with net refinance costs. Enter payments on the same basis (principal, interest, and mortgage insurance), excluding taxes and homeowners insurance.
Simple payment-based estimate only. It does not compare lifetime interest, remaining balances, taxes, cash-out proceeds, or the interest cost of financing fees. A lower payment can still cost more over a longer term.
Conventional vs. FHA/VA Estimator
Compare your own quoted or assumed figures side by side. Enter FHA/VA upfront fee estimates (including any exemption) and monthly mortgage insurance from an actual quote; no program terms are preset.
This scenario finances the FHA upfront premium and VA funding fee into the loan. VA has no monthly mortgage insurance in this illustration. Exemptions, eligibility, insurance duration, closing costs, limits and actual quotes require individual review; this tool does not recommend a program.
Down Payment & Closing Cost Calculator
Estimate remaining cash to close using your down payment, quoted closing costs, prepaids/escrow, deposit already paid, and eligible credits.
Credit eligibility and limits depend on the program. Credits cannot cover down payment in this illustration. Do not double-count deposits, prepaid items, or fees. Reserves and moving costs are excluded. Use your Loan Estimate and Closing Disclosure for actual figures.
Planning estimates only, not a Loan Estimate, quote, eligibility decision, investment advice, or commitment to lend. These tools run in your browser; your figures are not submitted or saved.
How the estimates work & reference sources
Mortgage payments use standard fixed-rate amortization; a 0% rate uses principal divided by the number of payments. Break-even uses net costs divided by positive monthly savings, rounded up to a whole month. DSCR here uses gross rent/PITIA; confirm your lender’s method. Comparison fees and insurance are entered by you, not advertised program terms.
Find your starting point
Different goals.One conversation.
Browse the financing topics below or search by name. Topic listings are not a confirmation of program availability through MKAT Lending.
33 topics found
Home financingFHA
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Home financingVA
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Home financingConventional
A mortgage not insured or guaranteed by a government loan program. Agency-eligible and lender portfolio loans can have different rules.
Review income, debts, assets, occupancy and property eligibility. First-time buyer and low-down-payment options depend on the product and underwriting findings.
- Credit scores
- For Fannie Mae manual underwriting: 620 for fixed-rate loans; 640 for adjustable-rate loans. Desktop Underwriter (DU) has no prescribed minimum score and assesses the full credit profile. Lender overlays and product restrictions may still apply.
- Down payment / equity
- Some eligible one-unit primary-residence programs allow 3% down. This is not available for every borrower or property; mortgage insurance generally applies above 80% loan-to-value. Ask for your actual cash-to-close amount.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Home financingHomeReady
Fannie Mae’s low-down-payment conventional mortgage for income-qualified buyers; eligible limited cash-out refinances are also permitted.
Primary residence; qualifying income generally cannot exceed 80% of the area median income. Property, income documentation, debt and education requirements apply. Required homeownership education must be completed before closing.
- Credit scores
- For Fannie Mae manual underwriting: 620 for fixed-rate loans; 640 for adjustable-rate loans. Desktop Underwriter (DU) has no prescribed minimum score and assesses the full credit profile. Lender overlays and product restrictions may still apply.
- Down payment / equity
- As little as 3% down on eligible one-unit purchases with DU approval. Mortgage insurance generally applies above 80% loan-to-value. Closing costs are separate; higher down payments may apply to other property types.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Home financingHome Possible
Freddie Mac’s conventional mortgage designed for low- and very-low-income borrowers, with flexible sources of down-payment funds.
Primary residence; qualifying income limited to 80% of area median income. Income, property and debt eligibility must be reviewed. Homeownership education is required for applicable first-time buyer transactions.
- Credit scores
- Manual underwriting for one-unit properties: 660 for fixed-rate purchases; 680 for adjustable-rate loans, no-cash-out refinances and manufactured homes. Manual two- to four-unit loans require 700. Loan Product Advisor uses its risk assessment; eligible borrowers without scores may qualify up to 95% loan-to-value. Lender overlays can apply.
- Down payment / equity
- As little as 3% down for eligible purchases. Property and transaction restrictions apply. Mortgage insurance and closing costs can add to the funds needed.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Home financingHome Equity Line of Credit (HELOC)
HELOC vs. home equity loan: a HELOC is revolving credit secured by your home. Draw funds as needed within your limit during the draw period; repaid credit can become available again. Rates are usually adjustable. A home equity loan provides a lump sum instead.
Home Equity Loan
- Access to funds
- One lump sum; repayments do not restore a credit line.
- Interest rate
- Can be fixed or adjustable; confirm the actual terms.
- Planning question
- Do you need a known amount now, and can you afford another loan payment?
Review the draw and repayment periods, minimum draws, fees, rate caps and whether payments increase when the draw period ends. Document income, existing mortgages, equity, taxes and insurance. Do not rely on continued access to the line.
- Credit scores
- Minimum credit score is lender-specific, not a universal HELOC or home equity rule. The lender also reviews credit history, income, debt-to-income ratio and combined loan-to-value. A score alone does not establish eligibility.
- Down payment / equity
- No purchase down payment: you borrow against existing equity. Your lender sets the maximum combined loan-to-value and equity you must retain. Appraisal and closing costs may apply; your home secures the debt and can be lost if you do not repay.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Home financingHome Equity Loan
A home equity loan gives you a single lump sum secured by your home, repaid over a set term. It may have a fixed or adjustable rate. Unlike a HELOC, repaying principal does not replenish a revolving credit line.
HELOC
- Access to funds
- Draw as needed during the draw period; repaid credit can become available again.
- Interest rate
- Usually adjustable; payments can change.
- Planning question
- Can your budget handle rate changes and the repayment-period payment?
Home Equity Loan
- Access to funds
- One lump sum; repayments do not restore a credit line.
- Interest rate
- Can be fixed or adjustable; confirm the actual terms.
- Planning question
- Do you need a known amount now, and can you afford another loan payment?
Compare the payment, interest rate, term and total costs with a HELOC and cash-out refinance. The lender reviews income, existing liens, property valuation and repayment ability. Existing mortgage payments generally continue.
- Credit scores
- Minimum credit score is lender-specific, not a universal HELOC or home equity rule. The lender also reviews credit history, income, debt-to-income ratio and combined loan-to-value. A score alone does not establish eligibility.
- Down payment / equity
- No purchase down payment: you borrow against existing equity. Your lender sets the maximum combined loan-to-value and equity you must retain. Appraisal and closing costs may apply; your home secures the debt and can be lost if you do not repay.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Home financingRefinance
Replace an existing mortgage with a new one to change terms or, when eligible, access equity. Lower monthly payments do not always mean lower lifetime costs.
Compare your current balance, rate and remaining term with the new loan, fees and break-even period. Cash-out, rate-and-term and streamline programs have different equity, appraisal and documentation requirements.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- No purchase down payment. Existing equity and maximum loan-to-value determine eligibility. Closing costs, prepaid items and any cash needed to reduce the balance still apply; financing fees increases debt.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Home financingReverse Mortgage
What is a reverse mortgage? It lets eligible homeowners borrow against home equity. FHA-insured Home Equity Conversion Mortgages (HECMs) are generally for homeowners age 62 or older. No scheduled monthly principal-and-interest payments are required, but interest and fees add to the balance, reducing equity.
For a HECM, discuss HUD-approved counseling and financial assessment. Keep the home as your principal residence, maintain it, and pay property taxes and insurance. The loan generally becomes repayable after sale, permanent move-out or death of the last borrower, subject to eligible non-borrowing spouse protections. Failure to meet obligations can lead to foreclosure. Proprietary reverse mortgages have different rules.
- Credit scores
- Not a score-only qualification. A HECM financial assessment reviews credit history, income and ability to meet ongoing property charges; ask about any lender-specific score rules and required set-asides.
- Down payment / equity
- For an existing home, sufficient equity is required and existing mortgage debt must be addressed at closing. A HECM for Purchase requires a substantial cash contribution; it is not a zero-down purchase loan. Amounts depend on age, home value, interest rates and program limits.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Home financingUSDA
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Home financingJumbo
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Home financingDown-payment assistance
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Alternative documentationBank statement
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Alternative documentation1099
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Alternative documentationProfit & loss (P&L)
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Alternative documentationDSCR
Investment-property financing that evaluates rental income against debt service. It is not the same as an owner-occupied mortgage.
Confirm how the lender calculates DSCR, the required ratio, rental documentation, occupancy restrictions, reserves and any prepayment penalty. Calculator results are not approval criteria.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Down payment, maximum loan-to-value and reserves vary by lender, property and rental coverage. Request the actual criteria; no universal percentage is represented.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Alternative documentationITIN
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Alternative documentationForeign National
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Property types & renovationWarrantable Condos
A condo whose project meets the applicable agency and lender eligibility rules. Both your application and the condominium project are reviewed.
Project review can include association finances, insurance, structural condition, litigation and ownership mix. A qualifying borrower alone does not make a project eligible.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Down payment follows the selected mortgage product, occupancy and project review. Ask which low-down-payment options, if any, apply; budget separately for HOA dues and assessments.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Property types & renovationNon-Warrantable Condos
A condo project that does not meet the applicable agency eligibility rules. A specialist or portfolio lender may consider it, but availability is not guaranteed.
Identify why the project is ineligible and whether a lender accepts that condition. Project insurance, safety, litigation and association documents remain important.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Lender-specific down payment and reserves; do not assume agency low-down-payment options apply. Ask for the permitted loan-to-value and full cash-to-close estimate.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Official references
Property types & renovationAccessory dwelling units (ADUs)
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Property types & renovationManufactured homes
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Property types & renovationLand
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Property types & renovationRenovation
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Construction & short-term financingConstruction-to-permanent
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Construction & short-term financingGround-up construction
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Construction & short-term financingFix-and-flip
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Construction & short-term financingBridge
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Business & commercialSBA 7(a)
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Business & commercialSBA 504
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Business & commercialCommercial real estate
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Business & commercialEquipment financing
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Business & commercialWorking capital
Explore whether this financing topic fits your goals. A directory listing does not confirm that a program is available through MKAT Lending.
Ask Mary about eligibility, income documentation, property or business requirements, debt limits and availability in your state. Use a secure application channel for sensitive documents.
- Credit scores
- Lender-specific; no universal minimum credit score is represented here. Ask Mary for the score requirement, credit model and underwriting method for the selected lender.
- Down payment / equity
- Minimum down payment, equity contribution and reserves depend on the selected program and lender. Ask for the percentage, eligible funding sources, closing costs and any assistance restrictions before planning a purchase.
Educational guidance, not an offer or approval. Guidelines can change; lender requirements may be stricter. Confirm current terms with Mary.
Next steps
Start with whatmatters to you.
Choose your topic
Search the directory and identify the financing question you want to discuss.
Share your goals
Send an inquiry with your preferred language and the kind of follow-up you need.
Confirm the details
Discuss program availability, requirements, documentation, and an appropriate application process before proceeding.
Start a conversation
Let’s talk about your next step.
Schedule a meeting through Calendly, call or text Mary directly, or use this form to request follow-up. The inquiry form is not a loan application and does not confirm an appointment.
Schedule 30 minutes(opens a new tab)Do not include Social Security numbers, bank account details, identification documents, or other sensitive information.
Important information
NEXA Lending · Equal Housing Lender. All loans are subject to approval; not all borrowers will qualify. Program guidelines, credit scores, down payments, rates, fees and availability vary by lender, borrower, property and market conditions. This website provides general planning information and is not a commitment to lend. Calculator results are illustrations based on your inputs, not quotes or loan offers. Readiness scores measure self-reported preparation only; they are not credit scores or approval decisions. Confirm current program terms and applicable licensing with Mary before applying.
