Use these tools to explore payment options, understand property values, and make smarter home buying decisions.
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Estimates only, based on a 43% debt-to-income guideline. Actual qualification depends on credit, program, and full underwriting. Not a commitment to lend.
Upload your Loan Estimate, CD, or fee sheet and I'll break down exactly what you're being charged — line by line, no obligation.
Eight guides, one for every credit score range. Pick the one that matches where your score is today and we'll get it to you — plus direct access to Brent and the team for the questions that come up next.
A step-by-step credit recovery plan. Learn what to pay first, how to dispute errors, and your timeline to get mortgage-ready.
Get This GuideThe fastest path to qualifying range. Learn the exact moves that build score fast and get you mortgage-ready sooner than you think.
Get This GuideYou may already qualify for several loan programs. Learn how to maximize what you have and climb into better rate territory.
Get This GuideYou are one tier away from premium rate territory. Learn the strategic moves that push your score where the best rates live.
Get This GuideYou have real options. Learn the fine-tuning strategies that push you into the best rate tiers and what to protect before closing.
Get This GuideYou have achieved a strong credit profile. Learn how to leverage that strength and get the best possible mortgage terms.
Get This GuideYou are in elite territory. Learn how to protect your score through the mortgage process and position for the absolute best rates.
Get This GuideYou have built something exceptional. Learn how to protect and leverage your elite credit profile for the best mortgage terms available.
Get This GuideThese guides exist to invest in your knowledge, not to pitch you. No pressure. No surprise calls. Just the information you need to walk into your mortgage conversation in the strongest position you can be in.
We don't need to check your credit to send the guide.
Read it on your own time. No pressure, no follow-up calls you didn't ask for.
Each guide is matched to a specific score range, not generic advice.
This guide is for educational purposes only and does not constitute financial, legal, tax, or credit repair advice. No guarantee of credit score improvement, loan approval, specific interest rate, or loan terms is implied or expressed. Individual results vary based on personal financial circumstances, credit history, market conditions, and lender underwriting requirements. Patterson Home Team and NEXA Mortgage, LLC DBA NEXA Lending are not credit repair organizations and do not provide credit repair services. Consult a qualified financial advisor, tax professional, or attorney for advice specific to your situation.
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Real feedback from clients Brent has helped navigate home financing with confidence.
"I can't tell you how grateful we are to have Brent. He is not a loan officer who talks to you once and you never hear from again until closing. Brent cares for the people he serves."
"My fiancé and I were in the market to find our first home together. Brent was awesome — he made the whole process smooth and stress-free."
"Brent helped us lock in a good rate during a challenging time and kept the loan process moving so we closed on our date without delays. We definitely recommend him!"
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Apply →See if refinancing fits your goals.
Review →Tap equity, keep your low rate.
Explore →Instant estimate of your home's value.
Get report →Free guides by score range.
Get guides →Schedule a strategy call.
Book →(972) 497-1152 — real answers, fast.
Call now →I help families understand their home financing options and begin building generational wealth through homeownership. As a Certified Mortgage Advisor licensed in Texas, Louisiana, and Florida, I focus on clear guidance, smart loan strategies, and smooth closings for both clients and real estate partners.
As a husband, father, grandfather, and caregiver for my elderly parents, I've seen firsthand how the right financial decisions can benefit generations — and I'm passing that wisdom on to my children and grandchildren. It's never too late to start building a strong foundation.