Kelly Fest

Mortgage Loan Officer

Grow Your Empire

As a licensed Mortgage Loan Officer since 2007 and a former Realtor in the 1990s, I bring a well-rounded perspective to every transaction, understanding both sides of the investment purchase process.

As a broker lender at NEXA Mortgage, we have lower overhead than traditional banks, enabling us to offer better rates and personalized lending solutions designed around your goals.

Review Widget
★ ★ ★ ★ ★
Game Changer for my Portfolio!
"I’ve been investing in Dallas real estate for a few years, but I recently hit a wall... Kelly was a breath of fresh air. She immediately suggested a DSCR loan... She was driven, educated, and completely optimistic when I wasn't. She got the deal done when others couldn't. If you are an investor in Texas, you need Kelly and NEXA Mortgage in your corner!"
- Mark T.
Dallas, TX
★ ★ ★ ★ ★
Made the Impossible Possible
"I found the perfect rental property here in Colorado... Kelly was the opposite. She was so down to earth and realized immediately that the rental income from the property would cover the loan. She handled the DSCR process seamlessly... I am now the proud owner of a cash-flowing property I didn't even think I could buy."
- Sarah
Denver, CO
★ ★ ★ ★ ★
Seamless Investment Experience
"We wanted to buy a vacation rental in Florida... Kelly made the whole experience feel great! She is incredibly knowledgeable about the market... She was always there for us, answering texts and emails quickly, making sure we felt comfortable... We are 100% recommending Kelly to our investor friends."
- Roberto & Irma Gutierrez
Orlando, FL

Investment Loan Programs

Your situation is one-of-a-kind—

I’ll help you find the perfect funding for your next deal.

Wondering how to get a real estate investment loan, step by step?

If you're selling one property and buying another, don't forget your 1031 Exchange!

What documents do I need?

DSCR Loans Only Need the Following

Entity documents

Schedule of REO (see below)

Property documents

2 months bank statements - show downpayment and any reserves

Copy of lease & rent rolls (if vacant, use market rents)

Personal & Business Financial Statements

Including YTD Profit & Loss Statement and Balance Sheet

Business Bank Statements

2 most recent consecutive bank statements for all accounts. If you are doing a Bank Statement Loan, then we need most recent 12 or 24 months of Business Bank Statements and Personal Bank Statements.

Personal & Business Tax Returns

2 to 3 years for each guarantor plus 2 to 3 years for the entity, all schedules

Entity Documents

Articles of Incorporation/Organization

Operating or Partnership Agreement

EIN letter from IRS

Certificate of Good Standing

Schedule of Real Estate Owned

All real estate owned by entity and guarantors, showing address, rental income, & mortgage balance

Property Documents

Purchase Contract

Rent Roll

Operating Statements (last 24 months)

Environment Report

Property Condition Report (if required)

Survey

SBA Loans Need the Following

Detailed summary of the loan request

3 years business tax returns

Year-to-Date P&L and balance sheet

3 years personal tax returns

Borrower information/Resume

Personal financial statement

Business debt schedule

Credit authorization completed & signed for soft pull

Last 2 months of business bank statements

Address of the property

Is the business owned 100% by a U.S. Citizen(s) or ITIN holders?

Our Calculator Lab includes 21 different real estate investing calculators

Contact Us

Kelly Fest

NMLS # 202374

[email protected]

972-854-3270

NEXA Mortgage LLC

https://nexamortgage.com

NMLS #1660690

AZMB #0944059

Corporate Office

5559 S Sossaman Rd

Bldg # 1 Ste # 101

Mesa, AZ 85212

NvEXA Mored.

All Rights Reserved. NEXA Mortgage, LLC NMLS# 1660690, Kelly Fest NMLS# 202374 | CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
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This site is not authorized by the New York State Department of Financial Services. No mortgage loan applications for properties located in the state of New York will be accepted through this site.