SHEREEN MUCKERMAN
Certified Mortgage Advisor ยท NEXA Lending
A Mortgage Partner Who Helps You Get More Offers Accepted
A Mortgage Partner Who Helps You Get More Offers Accepted
Your buyers need answers quickly. You need a lender who responds, sends pre-approval letters quickly, and keeps you updated before a small issue turns into a bigger problem. I work with realtors who need a reliable mortgage partner for standard buyers, self-employed clients, investors, first-time buyers, and borrowers who were told โnoโ somewhere else.
Your buyers need answers quickly. You need a lender who responds, sends pre-approval letters quickly, and keeps you updated before a small issue turns into a bigger problem. I work with realtors who need a reliable mortgage partner for standard buyers, self-employed clients, investors, first-time buyers, and borrowers who were told โnoโ somewhere else.
Licensed in Alabama, Arizona, Colorado, Florida, Kentucky, Tennessee, Texas, and Washington.
โ Referral Process
WHAT HAPPENS WHEN YOU REFER A CLIENT
Your buyer isn't just a name on a referral sheet. Here's what actually happens once they're in my hands:
You call, I answer. Not a queue, not a processor covering for someone else; the same direct line, every time.
Pre-approval letters usually land the same day. Send me the numbers in the morning, and your buyer can be writing an offer that afternoon.
You're not the last to know. If something shifts on a file, an appraisal comes in low, or underwriting wants one more document, you hear it from me first, not from a confused client calling you to ask what happened.
Evenings and weekends are just part of the schedule. Offers get written on Sundays. I plan for that rather than pretend it doesn't happen.
I'll show up when it helps. An open house, a buyer consultation, a quick call to walk a nervous first-timer through the numbers before they sign.
โ WHAT I CLOSE
WHEN THE ANSWER ISN'T A STANDARD YES
Not every buyer shows up with two years of clean W-2s and 20% down. There's the self-employed client whose tax returns understate what they actually bring home. The investor who wants a fourth property but doesn't want it tied to personal income. The first-time buyer with solid income and not much saved.
Before assuming any of them have to wait a year, it's worth checking what's actually on the table:
Conventional
FHA
VA
USDA
Jumbo
203(k) renovation
Reverse Mortgages
SBA
ARM & Fixed and adjustable rate, (15 & 30 years terms)
DSCR (qualifies on rental income, not personal income)
Reverse Mortgages
SBA
ARM & Fixed and adjustable rate, (15 & 30 years terms)
DSCR (qualifies on rental income, not personal income)
Send over the situation before ruling it out. There's often a program that fits, just not always the obvious one.
โ Coverage
LICENSED IN EIGHT STATES
If your business crosses state lines, a listing here, a buyer relocating there, rebuilding a lender relationship from scratch in every market gets old fast. I'm licensed in Alabama, Arizona, Colorado, Florida, Kentucky, Tennessee, Texas, and Washington, so that's one conversation you don't have to keep having.
Title: Certified Mortgage Advisor, NEXA Lending LLC
NMLS: #1396756 - verify at nmlsconsumeraccess.org
Phone: (720) 501-8971
Email: [email protected]
Send over the situation before ruling it out. There's often a program that fits, just not always the obvious one.
โ PARTNERSHIP
BEYOND THE LOAN ITSELF
Some agents want a lender who shows up for the paperwork and nothing else. Others want more of a second set of hands. If that's you, here's what's on the table:
Sitting in on a buyer consultation, so the financing explanation comes from the person who's actually underwriting it
Working an open house with you and pre-qualifying serious buyers on the spot, instead of letting them walk out to "think about it"
Putting together flyers or buyer guides with both our names on them
Reaching out about refinancing to a past client of yours who's sitting on a rate that no longer makes sense, and letting you know if it turns into anything
Use whatever fits how you work. None of it requires the rest.
โ Send it my way
Give me the file. I'll take the weight.
โ QUESTIONS AGENTS ASK ME
Frequently Asked Questions
How fast can you actually get a pre-approval letter out?
Same day, most of the time, once I have the buyer's basic financial picture.
Which states can you close in?
Alabama, Arizona, Colorado, Florida, Kentucky, Tennessee, Texas, and Washington.
What about buyers who don't fit a conventional loan?
That's a good chunk of what I deal with. Self-employed income, investment properties, thin down payments, there's usually something that fits, even when conventional doesn't.
Will I actually hear from you, or only my client?
You'll hear from me. If something changes on a file, you shouldn't find out about it secondhand from your buyer.
Can you come to an open house or sit in on a buyer meeting?
Yes, in person when timing allows, on the phone when it doesn't.
What's the fastest way to send you someone?
Call, text, or email. I'll reach out to your client that same day.
Contact
Keep This Number Handy
Call or text: (720) 501-8971
Email: [email protected]
Shereen Muckerman
Shereen Muckerman | Certified Mortgage Advisor, NEXA Lending LLC | NMLS #1396756 Licensed in Alabama, Arizona, Colorado, Florida, Kentucky, Tennessee, Texas, Washington
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