Mortgage broker · New Jersey
Your Local Mortgage Broker in New Jersey
I'm David J. Hutchison II, a licensed loan officer with NEXA Lending, a mortgage broker company, based in Medford, NJ. If you searched for a mortgage broker near me, I work with buyers, veterans, investors and homeowners in every New Jersey county, by phone, text, video or in person in South Jersey.
What a local mortgage broker does for you
A bank can only offer its own loans. As a broker, I compare programs and guidelines from many wholesale lenders, help you choose the one that fits, and stay your single point of contact through closing. The lender you choose funds the loan, and you get a Loan Estimate to compare like with any lender.
Why a mortgage broker? How lender choice helps →
Why local matters in New Jersey
- Property taxes: NJ taxes vary a lot from town to town, and they change what you can afford. I build them into every estimate.
- State help: I can review county and local down payment assistance options with FHA, VA and conventional loans. See how NJ down payment assistance works.
- Military buyers: I work with service members at Joint Base McGuire-Dix-Lakehurst and veterans across the state.
- Shore and rentals: second homes and investment properties in Ocean and Atlantic counties, including DSCR loans.
Mortgage broker services by county
- Burlington County mortgage broker and Burlington County home loans
- Camden County
- Gloucester County
- Ocean County
- Atlantic County
- Mercer, Monmouth, Cape May and the rest of NJ: reach out and I'll help the same way.
Towns I serve
Medford, Marlton, Mount Laurel, Moorestown, Cherry Hill, Cinnaminson, Voorhees, Haddonfield, Willingboro, Lumberton, Mount Holly, Bordentown, Pemberton, Browns Mills, Wrightstown, Toms River, Lakewood, Jackson, Manchester, Washington Township, plus every area we serve.
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.
Loan programs I broker in NJ
- VA loans, including VA with no down payment in NJ and buying after a PCS to JB MDL
- FHA loans and first-time buyer programs
- USDA loans in eligible rural areas
- Conventional loans
- DSCR investor loans and bank statement loans
- Refinance and cash-out and home equity
I'm also licensed in Pennsylvania. Florida service is planned once licensing allows.
David J. Hutchison II, NMLS #63021 · NEXA Mortgage, LLC dba NEXA Lending, Company NMLS #1660690 · Equal Housing Opportunity. All loans subject to credit approval, property eligibility and lender guidelines. Not affiliated with VA, HUD/FHA, USDA, the Department of Defense or any government agency.
Talk to a local mortgage broker
- VA loans
- FHA loans
- USDA loans
- Conventional loans
- DSCR investor loans
- Bank statement loans
- Refinance & cash-out
David J. Hutchison II
(609) 665-3460
dhutch@nexalending.com
FAQ
Common questions
What is a local mortgage broker?
A licensed loan officer at a brokerage who compares loan options from several wholesale lenders for you and manages the loan to closing. I'm based in Medford, NJ with NEXA Lending.
Do you work anywhere in New Jersey?
Yes. I'm licensed statewide in New Jersey and work by phone, text and video, with in-person meetings available in South Jersey.
Does a mortgage broker cost more than a bank?
Not necessarily. Costs depend on the lender and loan. You get a Loan Estimate to compare, and I can show options from several lenders side by side.
Can you help with NJ down payment assistance?
Yes. I help eligible buyers pair FHA, VA or conventional loans with options through select lending partners when they fit. Program rules and funding change, so I check what's available for you.
Do you also lend in Pennsylvania?
Yes, I'm licensed in Pennsylvania too.
Next step
Let's talk through your options
No credit pull and no Social Security number, just a conversation. I'll compare lenders and explain everything in plain English.
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.
Quick quote
Looking for a NJ mortgage broker? Fill out the form here
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
Last updated Nov 2026