Welcome to Sierra Trust.
When the Bank Said No,
I Built a Way Forward.
You don’t need a perfect W-2, polished credit, or filed taxes to buy a home or start investing. At Sierra Trust, we help people qualify with what they do have.
The Right Loan Is Out There. We Already Found It.
You won’t hear “You don’t qualify” here. Instead, you’ll hear, “Here’s how we make it work.”
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Bank Statement Loans
Qualify using income flowing through your business—not outdated tax returns.
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DSCR Loans for Investors
The property pays for itself. We’ll help you prove it.
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No Tax Return Loans
Whether you’re catching up or opted to delay—yes, you still have options.
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Multi-Unit Financing
Buy more with projected rental income. Yes, you can use that income to qualify.
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Credit Comeback Programs
Life happened. That doesn’t mean homeownership is off the table.
You’re Not the Problem. The System Is.
You’ve worked hard, built income outside the 9-to-5, and maybe even already pay more in rent than a mortgage would cost. Still, the bank says you don’t “fit.”
We help people who’ve been told “no”:
Self-Employed or 1099
Real Estate Investors (DSCR loans)
Haven’t Filed Taxes Yet
Credit Challenges or Past Bumps
Want to Use Rental Income to Qualify
You’re not alone—and you're not unqualified. You just need a different lender.
Real Conversations. Flexible Solutions. Fast Approvals.
This isn’t a bank. It’s a strategy session.
We Listen First.
You tell us your story. Not just your credit score.
We Match You With the Right Program.
Whether it's DSCR, bank statements, or no tax return loans—there’s a path forward.
You Buy the Home (or Investment) That Changes Everything.
Because someone should finally say yes.
TESTIMONIALS
You're Not the Only One Who Felt Stuck.
“We own a 4-unit now, and no bank would even call us back. Sierra Trust got it done.”
“We were self-employed, and no one understood our income. They did.”
I Bought My First Property with Other People’s Rent.
In Spokane, I bought a multi-unit. Using projected rent from the other units, I qualified for more than expected. That property now pays for itself—and it changed my life.
I wasn’t a perfect borrower. I just found the right lender. Now, I help people like you do the same.
You don’t need to fit a mold. You need someone who gets your situation and knows how to advocate for it.
“Someone else pays my mortgage. I can help you do the same.”
Let’s Talk Through Your Situation
We’ll listen, we’ll look at your numbers, and we’ll give you real options—without pressure.
© Copyright 2023 NEXA Mortgage. All rights reserved
NEXA Mortgage - NMLS# 1660690
3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226
https://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1660690
NEXA Mortgage LLC is an Equal Housing Lender
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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov https://bit.ly/3B5pAfz.
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov