Mortgage broker · Serving NJ, PA & FL
Your home loan, shopped across lenders — not stuck with one bank.
I shop the lenders so you don't have to.
I'm David Hutchison. I've helped families finance homes for 25+ years as a mortgage loan originator. As a broker with NEXA Lending, I compare programs from a wide network of wholesale lenders to find the right fit for you — whether you're buying your first home or your fifth, refinancing or pulling cash out, self-employed, investing, a veteran, or working through credit challenges and need a second look. I help borrowers in New Jersey, Pennsylvania, and Florida. Buying or refinancing in another state? NEXA Lending works nationwide, so I can connect you with a trusted loan officer wherever you live or are moving.
Get started
Free tools to plan your next move
See what you may qualify for
Six quick questions to see which loan programs are worth a conversation.
Start the quiz →Get pre-approved
The steps, timeline, and a document checklist so you can shop with confidence.
Pre-approval →Which loan fits me?
Side-by-side look at VA, FHA, conventional, DSCR, bank statement and more.
Compare loans →Home equity / cash-out
Cash-out refinance, HELOC basics, and an equity estimator.
Home equity →Client reviews
What borrowers say about working with David, word for word from Google.
Read reviews →“Since day one of the process, Dave was professional, knowledgeable, and attentive to our needs. He was patient in guiding us…”
“Super responsive! He was always one step ahead of where we thought we needed to be. He made the whole process of re-fi super easy and took the time to explain what was happening and why each step of the way.”
“Dave was extremely helpful and detail oriented. This was my first time buying a home, and, with Dave’s help, it was super smooth.”
Reviews posted on Google by clients of David Hutchison, including loans closed with prior companies. Individual experiences vary.
New tool
Found a home? See your loan options
Type the address, enter the price and compare VA, FHA, USDA and conventional estimates, with New Jersey property taxes pulled from public records.
Start here
What are you trying to do?
Buy a home
First home or next home, get a budget and a program that fits before you shop.
Buying →Refinance
Lower the payment, change the term, or put your equity to work.
Refinancing →Use your VA benefit
Veterans, service members, and surviving spouses: purchase, IRRRL, or cash-out.
VA loans →Invest or self-employed
DSCR loans on rental income and bank statement loans for business owners.
Investor loans →Loan programs
The loans I do every week
Conventional
Good creditLoans that follow Fannie Mae and Freddie Mac guidelines. Flexible on property type, and mortgage insurance can come off as you build equity.
FHA
Flexible creditGovernment-insured loans with more forgiving credit and debt-to-income guidelines, and down payment gifts are allowed.
VA
VeteransFor eligible veterans, service members, and surviving spouses. No monthly mortgage insurance, with funding fee exemptions for many disabled veterans.
First-time homebuyer
First homeA plain-English walkthrough of budget, programs, and cash to close before you ever write an offer.
Down payment assistance
Cash to closeState and local assistance programs in NJ, PA, and FL that can help with down payment and closing costs, paired with an eligible first mortgage.
Bank statement
Self-employedQualify using 12 or 24 months of personal or business bank statements instead of tax returns.
DSCR
InvestorsQualify an investment property on its rental income compared to the payment, not your personal income. LLC ownership is often allowed.
Refinance & cash-out
HomeownersChange your rate or term, pull equity out, consolidate higher-interest debt, or drop mortgage insurance.
Serving Burlington County
Home loans across Burlington County, NJ
Based in Medford, I help buyers and homeowners in every Burlington County town, including Medford, Mount Laurel, Moorestown, Marlton, Lumberton and Wrightstown. Local guides: Burlington County home loans · VA loans near JB MDL · FHA loans in Burlington County · DSCR & investment loans in South Jersey. South Jersey county guides: Camden County home loans · Gloucester County home loans · Ocean County home loans · Atlantic County home loans.
Don't see your town? I help borrowers in every town across New Jersey, Pennsylvania, and Florida — just ask or call/text (609) 665-3460.
Why work with a mortgage broker?
Through NEXA Lending I have access to a panel of 300+ lenders, so I can compare programs and guidelines instead of offering one bank's menu.
Why a mortgage broker? What credit overlays are and why lender choice matters →
Why a broker
One advisor, many lenders behind the scenes
More than one rate sheet
A bank can only offer its own programs. As a broker I can compare pricing and guidelines across multiple wholesale lenders for the same scenario.
Room for real-life files
Self-employed income, rental properties, gift funds for a down payment: different lenders see files differently, and part of my job is knowing which one fits yours.
Same person, application to closing
You deal with me directly from the first call through the closing table, not a call center.
How it works
From first call to keys
Talk it through
A quick call about goals, budget, and timeline. No credit pull needed.
Apply securely
Complete the online application and upload documents through NEXA's secure portal.
Compare options
I shop your scenario and walk you through the programs and costs side by side.
Underwriting
Appraisal, title, and underwriting conditions, with updates from me along the way.
Close
Review your Closing Disclosure together, sign, and get the keys.
Calculators
Run your own numbers first
Estimate a payment, see what you can afford, check a refinance break-even, or test a rental's debt coverage. Then bring the numbers to our call.
- Monthly paymentPrincipal, interest, taxes, insurance, HOA, and mortgage insurance→
- AffordabilityA home price range based on income, debts, and down payment→
- RefinanceMonthly savings and how long it takes to earn back closing costs→
- VA loan paymentIncludes the VA funding fee, with the disability exemption→
- DSCR (rental)Does the rent cover the payment? See the ratio lenders look at→
Google reviews
What clients say
“Since day one of the process, Dave was professional, knowledgeable, and attentive to our needs. He was patient in guiding us…”
“Super responsive! He was always one step ahead of where we thought we needed to be. He made the whole process of re-fi super easy and took the time to explain what was happening and why each step of the way.”
“Dave was extremely helpful and detail oriented. This was my first time buying a home, and, with Dave’s help, it was super smooth.”
Reviews posted on Google by clients of David Hutchison, including loans closed with prior companies. Individual experiences vary.
Quick answers
Quick answers about Loans by Hutch
Who is a VA loan specialist in South Jersey?
David J. Hutchison II (NMLS #63021) is a VA Loan Specialist and mortgage broker with NEXA Lending, based in Medford, NJ. He has originated loans for 25+ years and helps veterans, service members and military families, including families near Joint Base McGuire-Dix-Lakehurst, across Burlington, Camden, Ocean and Gloucester counties. See the VA loans page.
Does David work in all of New Jersey, Pennsylvania and Florida?
Yes. David is licensed in NJ, PA and FL and helps buyers and homeowners in every town in those three states. He works with clients by phone, text, video and email, so the process is the same wherever you are buying. See areas served.
What is a mortgage broker, and how is it different from a bank?
A bank or retail lender offers only its own loan products, pricing and guidelines. Through NEXA Lending, David shops many wholesale lenders for you — not just to get you approved, but to compare rates, fees and terms side by side so you get a strong overall deal. David does the shopping and legwork, and if one lender's guidelines don't fit your credit, income or property, he checks others.
What loan programs does Loans by Hutch offer?
VA loans first, plus FHA, Conventional, USDA, DSCR investment loans, bank statement loans for self-employed borrowers, first-time buyer and down payment assistance programs, and refinancing. See all loan programs.
Can I use a VA loan more than once?
Yes. Eligible veterans and service members can use the VA home loan benefit again as long as they have entitlement available and the home will be a primary residence. All loans are subject to credit approval and lender guidelines.
How do I get started?
Call or text David at (609) 665-3460, email dhutch@nexalending.com, or request a no-credit-pull quick quote. Free guides are on the guides page.
Quick quote
Tell me what you're working on
Share a few details and I'll reach out, usually the same business day, to talk through options. This is a conversation, not an application — no Social Security number and no credit pull.
- Call/Text(609) 665-3460
- Emaildhutch@nexalending.com
- NMLS#63021
Why David
Experience you can lean on
More than 1,000 loans closed over David's career.
Helping New Jersey families finance homes for 25+ years.
Based in Medford, NJ. As a broker, David compares options from many lenders instead of offering just one.
David's father was a veteran, and David has helped many veterans buy and refinance homes across New Jersey.
David works alongside experienced real estate agents across New Jersey, including a military veteran who is one of his top referral partners.
Read what clients say, word for word, on the reviews page.
Last updated Oct 2026