Business Details
Trusted Mortgage Lending Services in Henderson, NV
Nations Direct Mortgage is a premier mortgage lending company dedicated to providing brokers and sellers with comprehensive loan solutions. With a robust product suite spanning conventional, FHA, VA, and non-QM loans, we prioritize flexibility, speed, and customer-centric service. Our team of seasoned professionals leverages decades of combined industry experience to navigate complex lending scenarios with precision and innovation. Recognized as a Top Workplace by USA Today in 2025, we combine cutting-edge tools like our Bank Statement Income Calculator, Quick Pricer, and streamlined appraisal ordering systems to empower clients with efficient, transparent transactions.Our commitment to excellence is underscored by a 10-year streak of recognition from the Orange County Register, ensuring clients receive unparalleled support, competitive pricing, and tailored mortgage strategies. By fostering a dynamic team environment and offering aggressive production override plans, we maintain our reputation as a trusted partner in the mortgage industry.
Services
Conventional Loans
FHA Loans
VA Loans
Non-QM Loans
Axis DPA
Bank Statement Mortgages
DSCR Loans
1099 Mortgages
Second Mortgages
Jumbo Loans
Highlights and features
- We are a 10-time Top Workplace award recipient with a 2025 USA Today recognition.
- We offer a full product line including FNMA, Freddie, FHA, VA, and non-QM loans.
- Our team provides 24/7 personalized support and aggressive production incentives.
- We specialize in complex loan scenarios like bank statement and DSCR mortgages.
- Our advanced tools streamline approvals, including a Bank Statement Income Calculator and Quick Pricer.
What people say
Stellar service
Impressed with communication
Dream come true
Quick conventional loan close
Spotless bank statement process
Services
Conventional Loans
Our conventional loans offer competitive rates for borrowers with credit scores starting at 620. Features include 97% LTV options, manufactured home financing, and high-balance loan availability. Ideal for primary residences, investment properties, and second homes with flexible underwriting standards.
FHA Loans
FHA loans provide accessible homeownership opportunities with minimum 550 credit scores. We accept manual underwriting, allow non-FICO co-borrowers, and permit manufactured homes. Streamline refinances require no appraisal, making this option ideal for low-down-payment buyers.
VA Loans
VA loans offer 100% LTV financing for qualified veterans. Features include no DTI caps, IRRRL options with no appraisal, and eligibility for second homes. Our dedicated team simplifies the certificate of eligibility process for seamless veteran-focused lending.
Non-QM Loans
Our Non-QM suite includes bank statement, DSCR, and 1099 income options for non-traditional borrowers. With LTVs up to 90%, interest-only terms, and cash-out refinancing, these loans cater to self-employed individuals and investors with unique financial profiles.
Axis DPA
Axis DPA provides zero-down payment solutions for FHA borrowers with 600+ scores. This 10-year second lien requires homeownership counseling, accepts condos/PUDs, and offers fast in-house approvals without FHA overlays for eligible applicants.
Questions
What mortgage products does Nations Direct Mortgage offer?
We offer conventional, FHA, VA, non-QM, Axis DPA, bank statement, DSCR, 1099, and second mortgages with flexible qualification criteria.
Can self-employed borrowers qualify for loans?
Yes, we specialize in bank statement mortgages, DSCR loans, and 1099 income options for self-employed applicants.
What are your minimum credit score requirements?
Scores start at 550 for FHA/VA, 620 for conventional, and 660 for non-QM products.
Do you offer loans in all U.S. states?
We serve most states except Washington for Axis DPA loans. Check our approved states list for details.
How quickly can loans close?
Our streamlined process delivers industry-leading turn times, with some deals closing 10 days early.
Do you support VA borrowers?
Yes, we offer VA loans with 100% LTV options, IRRRLs, and no DTI caps for eligible veterans.
