Conventional Loans
Conventional financing can provide competitive rates and flexible loan terms for qualified borrowers. I help clients compare available conventional programs and determine the structure that best fits their needs.
Mortgage Loan Officer NMLS #2820963
Ella
Fajilan-Nichols
Personalized mortgage guidance from a Mortgage Loan Officer with NEXA Lending, one of the nation’s largest mortgage brokerages.
01A personal approach
Guidance built around you.
As a Mortgage Loan Officer with NEXA Lending, one of the nation’s largest mortgage brokerages, I am committed to helping clients find financing solutions that fit their individual goals and financial circumstances.
Every client’s situation is different, which is why I take a personalized approach to mortgage lending. With access to a wide range of loan programs and lending options, I work closely with each client to evaluate their financial position, understand their short- and long-term goals, and develop a customized loan strategy that best meets their needs.
“My goal is to provide hands-on, step-by-step support throughout the entire lending process.”
My goal is to provide hands-on, step-by-step support throughout the entire lending process. From the initial consultation and loan comparison to underwriting and closing, I remain involved and accessible so my clients understand their options and feel confident in the decisions they are making.
I believe a mortgage should do more than simply finance a property. When structured properly, it can also be an important part of a client’s overall financial strategy. Whether the goal is purchasing a primary residence, investing in real estate, refinancing, accessing equity, or finding a solution for a more complicated financial situation, I am dedicated to exploring every available option.
I pride myself on responsiveness, dedication, and problem-solving. I understand that questions and concerns do not always happen during normal business hours, which is why I make myself available when my clients need assistance. When a financial challenge arises, my approach is not to simply say that something cannot be done—it is to look for solutions, evaluate alternatives, and work hand in hand with my clients to find the best possible path forward.
My commitment is simple: provide knowledgeable guidance, personalized service, and a lending solution designed around you, your needs, and your financial goals.
02Ways I can help
Mortgage Services
As a Mortgage Loan Officer with NEXA Lending, I provide personalized mortgage and financing solutions designed around each client’s individual financial situation, goals, and property needs. Rather than taking a one-size-fits-all approach, I work with my clients to evaluate available loan programs, compare financing options, and determine the loan structure that makes the most financial sense.
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03Understand your options
Loan types, clearly explained.
Every financing path is different. Use this guide to understand the major options before we talk through what may fit your situation.
FHA Loans
FHA financing may provide opportunities for borrowers who need more flexible credit or down-payment requirements. I can evaluate your financial situation and determine whether an FHA loan may be an appropriate option.
VA Loans
For eligible veterans, active-duty service members, and qualifying military families, VA loans can provide valuable financing benefits, including the potential for little or no down payment.
USDA Loans
For qualifying properties and borrowers, USDA financing can provide another path toward homeownership, including options that may require little or no down payment.
Jumbo & Super Jumbo Loans
For properties requiring financing above conventional loan limits, I can assist with jumbo and super-jumbo financing and compare programs designed for higher-value properties.
Refinancing
I help homeowners evaluate whether refinancing makes financial sense. Refinancing may be used to reduce a monthly payment, change the loan term, restructure debt, move from an adjustable to a fixed rate, or accomplish other financial objectives.
Cash-Out Refinancing
Homeowners may be able to access a portion of their property's equity through a cash-out refinance. Funds can potentially be used for home improvements, investment opportunities, debt consolidation, business needs, or other financial purposes.
Investment Property Financing
Real estate investors often have different financing needs than traditional homeowners. I can help identify loan programs for investment properties and work with clients to structure financing based on their investment strategy.
Bank Statement & Self-Employed Borrower Programs
Traditional tax returns do not always accurately reflect the financial strength of a self-employed borrower. Depending on the program, bank-statement and alternative-documentation loans may provide additional financing options.
DSCR & Investor Loan Solutions
Certain investor programs can focus more heavily on the property's rental income and cash flow rather than relying solely on the borrower's personal income. These programs may provide additional flexibility for experienced and growing real estate investors.
Construction Financing
For clients building a home, construction financing—including certain one-time-close programs—may combine the construction and permanent financing process into a more streamlined transaction.
Down Payment Assistance
For qualified borrowers, down-payment assistance programs may help reduce the amount of money needed to purchase a home. I can help identify available programs and determine eligibility.
Commercial Financing
Financing options may also be available for commercial real estate and certain business-related property transactions. I can help evaluate the project and identify potential lending solutions based on the property and financial objectives.
Reverse Mortgages
For qualifying homeowners, reverse mortgage programs may provide a way to access home equity while remaining in the property. I can help clients understand the available options and determine whether this type of financing is appropriate for their circumstances.
Challenging & Unique Loan Scenarios
Not every borrower fits into a traditional lending box. Credit challenges, self-employment, multiple properties, complex income, investment strategies, or unusual property types may require a more customized approach. My goal is to explore the available options before concluding that a loan cannot be done.
Not sure which option fits your situation?
04Explore the numbers
Useful estimates. Clear context.
Use these tools as a starting point, then speak with Ella to understand the financing options relevant to your circumstances.
01
Mortgage Calculator
Estimate a monthly principal-and-interest payment based on the loan amount, rate, and term you enter.
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Estimated Monthly Payment
$3,160Principal & interest- Loan Amount
- $500,000
- Interest Rate
- 6.50%
- Loan Term
- 30 years
Estimate only. This calculator is for illustrative purposes and does not constitute a loan offer, approval, or guarantee of terms. Actual payments may vary based on taxes, insurance, fees, loan program, credit profile, and other factors.
02
Affordability Calculator
Explore an illustrative borrowing range using a 36% total debt-to-income assumption.
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$
$
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Estimated Loan Amount
$411,348Illustrative estimate- Estimated Total Home Price
- $511,348
- Estimated Housing Budget
- $2,600/mo
Model assumption: up to 36% of gross monthly income for housing and existing debt; taxes, insurance, HOA dues, and fees are not included.
Estimate only. This tool does not determine eligibility, loan approval, or final borrowing capacity. Actual qualification depends on credit, income documentation, assets, debt-to-income requirements, property characteristics, loan program guidelines, and other underwriting factors.
05A clear next step
Let’s Talk About Your Financing Goals
After exploring your options and estimates, a personal conversation can help clarify the path forward. Choose a preferred time to prepare your consultation request.
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Personalized mortgage guidance
A lending solution designed around you, your needs, and your financial goals.
06Start a conversation
Request a Call Back
Share your details and financing question so your request is ready for Ella. This front-end form does not send information until a secure form service is connected.