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

Compare loan programs

Which loan fits me?

A side-by-side look at the main programs David works with. Every situation is different, so use this as a starting point, then take the quiz or talk it through.

See what you may qualify forCall (609) 665-3460Text to book a call

Side by side

Loan programs at a glance

Conventional loan

Often a fit for
Buyers with steadier credit, including first-time buyers
Property & eligibility
Primary, second home or investment.
Worth knowing
Mortgage insurance can be removed later in many cases; wide range of property types.
Learn more about Conventional loan →

USDA loan

Often a fit for
Buyers in eligible rural and suburban areas with moderate income
Property & eligibility
Primary home in a USDA-eligible area. Income limits apply.
Worth knowing
Many parts of Burlington, Ocean and Atlantic counties may be eligible.
Learn more about USDA loan →

Refinance

Often a fit for
Homeowners wanting a different rate, term or loan type
Property & eligibility
Your current home.
Worth knowing
Options include rate-and-term, VA IRRRL and FHA streamline refinances.
Learn more about Refinance →

Cash-out or HELOC

Often a fit for
Homeowners who want to use their equity
Property & eligibility
Your current home with available equity.
Worth knowing
Turn equity into cash for renovations, debt consolidation or tuition.
Learn more about Cash-out or HELOC →

General program information only. Eligibility, loan limits, mortgage insurance and fees depend on lender guidelines and your full application. Not all borrowers will qualify.

Quick guide

Start here

See what you may qualify forCall (609) 665-3460Text to book a call

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…”
Mary S. · Home purchase
★★★★★
“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.”
James Z. · Refinance
★★★★★
“Dave was extremely helpful and detail oriented. This was my first time buying a home, and, with Dave’s help, it was super smooth.”
Scott M. · First-time buyer
Read all reviews on GoogleSee David on Zillow

Reviews posted on Google by clients of David Hutchison, including loans closed with prior companies. Shown word for word, shortened where marked. Individual experiences vary.

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