Stephen Patterson II NMLS 2716867
NEXA Lending LLC NMLS 1660690 AZMB 0944059
ASAP Realty Group Powered by AXEN Realty
Stephen Patterson II NMLS 2716867
NEXA Lending LLC NMLS 1660690
AZMB 0944059
ASAP Realty Group Powered by AXEN Realty
Find Out How Soon You Can
Own A Home
In Arizona!
Perfect credit not required. Low-down and zero-down options available depending on eligibility.
Get a simple breakdown of what you may qualify for and what steps to take next. You’ll get guidance from an Arizona realtor and loan originator who has helped many buyers move confidently toward homeownership.
✔ Nearly 10 Years Experience
✔ Local AZ Realtor + MLO
✔ First-Time Buyer Specialist
Find Out How Soon You Can
Own a Home
in Arizona!
No perfect credit needed. Minimal down/no down payment options available with eligibility.
Get a clear breakdown of what you may qualify for and what steps to take next, guided by an Arizona realtor and loan originator who has helped many buyers reach homeownership.
✔ Local AZ Expert
✔ Nearly 10 Years of Experience
✔ First-Time Buyer Specialist
Why Should We Talk?
Plan With Confidence
Most buyers delay because they’re unsure of the next step. Many people I speak with discover they may be able to buy sooner than they expected once they understand their real numbers and options.
Experience That Matters
With nearly a decade helping first-time and move-up buyers, I’ll show you what lenders look for, how to prepare, and what actions make the biggest impact on your buying timeline.
Proven Results for Real People
People who believed they needed years to prepare often realize a path forward much sooner. The right plan changes everything.
Why Should We Talk?
Plan With Confidence
Most buyers delay because they’re unsure of the next step. Many people I speak with discover they may be able to buy sooner than they expected once they understand their real numbers and options.
Real Experience That Matters
With nearly a decade helping first-time and move-up buyers, I’ll show you what lenders look for, how to prepare, and what actions make the biggest impact on your buying timeline.
Proven Results for Real People
People who believed they needed years to prepare often realize a path forward much sooner. The right plan changes everything.
Help You Understand
Your Buying Power
On Our Call You Will Learn
What price range you may be ready for today
Which down payment assistance options are available
How soon you can realistically own a home
Financing is the part that stops most people from even getting started. The truth is, many buyers are surprised to learn they may not need perfect credit or a large down payment to begin exploring homeownership, depending on program eligibility.
With nearly a decade of experience helping Arizona buyers compare options, explore down payment assistance, and break down true home affordability, I make this part simple and clear.
Whether you’re months away or much closer than you think, you deserve clarity. I’ll walk you through realistic pathways, available programs, and what lenders look for so you understand exactly where you stand and what steps may move you forward.
Ready For Clarity?
You don’t have to guess whether you’re ready to buy. A quick call can show you what’s possible, what programs you may qualify for, and how close you truly are to owning a home.
Help You Understand Your Buying Power
On Our Call You Will Learn
What price range you may be ready for today
Which down payment assistance options are available
How soon you can realistically own a home
Financing is the part that stops most people from even getting started. The truth is, many buyers are surprised to learn they may not need perfect credit or a large down payment to begin exploring homeownership, depending on program eligibility.
With nearly a decade of experience helping Arizona buyers compare options, explore down payment assistance, and break down true home affordability, I make this part simple and clear.
Whether you’re months away or much closer than you think, you deserve clarity. I’ll walk you through realistic pathways, available programs, and what lenders look for so you understand exactly where you stand and what steps may move you forward.
Ready For Clarity?
You don’t have to guess whether you’re ready to buy. A quick call can show you what’s possible, what programs you may qualify for, and how close you truly are to owning a home.
How I Help You Become a Homeowner
Down Payment Assistance Guidance
I help you understand which Arizona DPA and grant programs you may qualify for so you don’t overpay or miss opportunities most buyers never hear about.
Understand Your Buying Power
We walk through realistic numbers, comfortable payments, and loan options so you know exactly what’s possible based on your situation.
Find the Right Home for Your Budget
Get a personalized strategy for new builds, resale homes, and neighborhoods that match your price range and lifestyle.
Step-by-Step Guidance
Whether you’re buying now or planning ahead, I help you navigate timelines, next steps, and what to expect from start to finish.
Nearly a Decade Helping Arizona Buyers
Benefit from years of real experience helping first-time and move-up buyers overcome challenges, qualify for programs, and purchase confidently.
See How Soon You Can Buy
Many buyers are closer than they think. I help you determine when you can realistically own a home and what to do now to get ready.
How I Help You Become a Homeowner
Down Payment Assistance Guidance
I help you understand which Arizona DPA and grant programs you may qualify for so you don’t overpay or miss opportunities most buyers never hear about.
Understand Your Buying Power
We walk through realistic numbers, comfortable payments, and loan options so you know exactly what’s possible based on your situation.
Find the Right Home for Your Budget
Get a personalized strategy for new builds, resale homes, and neighborhoods that match your price range and lifestyle.
Nearly a Decade Helping Arizona Buyers
Benefit from years of real experience helping first-time and move-up buyers overcome challenges, qualify for programs, and purchase confidently.
Step-by-Step Guidance
Whether you’re buying now or planning ahead, I help you navigate timelines, next steps, and what to expect from start to finish.
See How Soon You Can Buy
Many buyers are closer than they think. I help you determine when you can realistically own a home and what to do now to get ready.
Start Building Your Wealth Through Homeownership
Buying a home is one of the most reliable ways to build long-term stability and wealth. Every payment you make builds equity instead of paying down someone else’s investment. And the earlier you create a plan, the sooner you start benefiting from it.
With nearly a decade of experience helping Arizona first-time buyers explore options, compare programs, and move into the right homes, I can help you understand the steps that matter most. Whether you’re buying this year or preparing for the future, the right guidance now can make a meaningful difference in your financial path.
Start Building Your Wealth Through Homeownership
Your Wealth
Buying a home is one of the most reliable ways to build long-term stability and wealth. Every payment you make builds equity instead of paying down someone else’s investment. And the earlier you create a plan, the sooner you start benefiting from it.
With nearly a decade of experience helping Arizona first-time buyers explore options, compare programs, and move into the right homes, I can help you understand the steps that matter most. Whether you’re buying this year or preparing for the future, the right guidance now can make a meaningful difference in your financial path.
What Past Clients Say
What Past clients say
Frequently Asked Questions
Do I need perfect credit to buy a home?
No. Many of the buyers I’ve helped started with less-than-perfect credit. There are programs, strategies, and timelines that work even if your credit isn’t where you want it yet. The call helps you understand what’s realistic for you.
How much money do I need for a down payment?
Not as much as most people think. Some programs offer low down payments, and some buyers qualify for down payment assistance. We’ll look at what the best path may be during our call.
What if I’m not ready to buy yet?
That’s completely fine. Plenty of people book the call to understand their timeline or plan ahead. You’ll get a realistic idea of when buying might make sense and what steps to take now.
Is this call really free?
Yes! My goal is to give you clarity and a plan, so you know exactly where you stand.
Do you work with first-time buyers?
Every day. I’ve spent nearly a decade helping first-time buyers navigate financing, programs, and the market with confidence. You’re in good hands!
What if I need to sell my current home before buying?
That’s common for move-up buyers. I’ll help you understand your equity, timing, and how to coordinate both moves without added stress.
How long does the call take?
Usually about 10–15 minutes. Enough to understand your goals and give you a simple, personalized plan.
Ready For Clarity?
You don’t have to guess if you’re ready to buy. A quick call can show you what’s possible, what programs you may qualify for, and how close you are to owning a home.
Ready For Clarity?
You don’t have to guess whether you’re ready to buy. A quick call can show you what’s possible, what programs you may qualify for, and how close you truly are to owning a home.
Social Media Links
Contact Me
Stephen Patterson II, NMLS 2716867.
Mortgage Loan Originator with NEXA Mortgage, LLC. NEXA Mortgage, LLC 5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212 NMLS 1660690. AZMB 0944059.
Licensed Real Estate Agent with ASAP Realty Group powered by AXEN Realty SA681933000.
This website is for educational purposes only and is not an offer to enter into an agreement, extend credit, or commit to making a loan. All loan programs, terms, interest rates, and eligibility requirements depend on credit, income, and program guidelines and are subject to change without notice. All approvals are subject to underwriting guidelines. Not all applicants will qualify for all programs.
Examples or statements regarding down payment assistance, credit requirements, or qualification timelines are general in nature and not guarantees of approval. Some buyers may qualify for low-down or zero-down programs depending on credit, income, and program requirements. Not all applicants will qualify. Programs may not be available in all states or for all loan amounts. Additional documentation may be required.
NEXA Mortgage, LLC is not affiliated with any government agency. These materials are not from HUD, FHA, VA, or any other government agency and were not approved by them.
NMLS Consumer Access: https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690
You are not required to work with Stephen Patterson as both your mortgage loan originator and real estate professional. You may work with the lender or real estate professional of your choice. Any mortgage inquiry or call does not obligate you to move forward with a loan or real estate transaction.
Equal Housing Lender. Equal Opportunity Housing.
© Copyright 2025. All rights reserved.
Social Media Links
Contact Me
Stephen Patterson II, NMLS 2716867
Mortgage Loan Originator with NEXA Mortgage, LLC
NEXA Mortgage, LLC 5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212 NMLS 1660690 • AZMB 0944059
Licensed Real Estate Agent with
ASAP Realty Group powered by AXEN Realty
This site is for educational purposes only.
It is not an offer to enter into an agreement, extend credit, or commit to make a loan.
All loan programs, terms, interest rates, and eligibility depend on credit, income, and program guidelines and may change without notice.
All approvals are subject to underwriting guidelines.
Not all applicants will qualify for all programs.
Any examples that reference down payment amounts, assistance programs, credit requirements, or timelines are general illustrations only and are not guarantees of approval.
Some buyers may qualify for low down payment or zero down programs depending on credit, income, and program requirements.
Not all applicants will qualify.
Programs may not be available in all states or for all loan amounts.
Additional documentation may be required.
NEXA Mortgage, LLC is not affiliated with any government agency.
These materials are not from HUD, FHA, VA, or any other government agency and were not approved by them.
NMLS Consumer Access: https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690
You are not required to use Stephen Patterson as both your mortgage loan originator and your real estate professional.
You are free to work with any lender or real estate professional of your choice.
Any inquiry or call does not obligate you to move forward with a loan or real estate transaction.
Equal Housing Lender. Equal Opportunity Housing.
© 2025 Stephen Patterson. All rights reserved.