NMLS #63021|Licensed in NJ · PA · FL Call or text (609) 665-3460dhutch@nexalending.com

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NJ First-Time Homebuyer Guide

Six steps to buying, a documents checklist, loan options, credit tips, down payment assistance basics, and a closing budget worksheet.

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VA Loan Checklist

COE and DD-214 documents, entitlement, VA funding fee basics, and the VA buying steps for veterans and military families.

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DSCR Investor Guide

How rental-income (DSCR) loans work, what lenders look at, and how to size up a rental before you make an offer. Until it's ready, read DSCR loans explained.

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David J. Hutchison II, NMLS #63021 · NEXA Mortgage, LLC dba NEXA Lending, Company NMLS #1660690 · Equal Housing Opportunity

About the author: David J. Hutchison II, NMLS #63021, is a mortgage loan originator with NEXA Lending (Company NMLS #1660690), originating loans for 25+ years and focused on VA, first-time buyer and investor loans in New Jersey and Pennsylvania. Verify his license at NMLS Consumer Access. Reviewed Nov 2026.

Last updated Oct 2026