Mark W. Pattison, NMLS 2334799
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | PR MLO-1207 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
Mark W. Pattison, NMLS 2334799
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | PR MLO-1207 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
Mortgage Guidance With Mark Pattison
Buying, refinancing, or investing? Get personal guidance from Mark Pattison on VA, reverse, DSCR, bank statement, and jumbo loans, from your first question to closing day.
Mark W. Pattison, NMLS 2334799
AZ LO-2001289 | CA DFPI 2334799 | PR MLO-1207 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
Mark W. Pattison, NMLS 2334799
Mortgage Advisor · NEXA Mortgage, LLC
My Specialties
VA and Reverse Mortgages are the heart of Mark’s work. Each has its own site with a calculator, clear guides, and answers to the questions people ask most.
Purchase and refinance options for eligible veterans, service members, and surviving spouses, from an advisor who is the son, grandson, and father of veterans.
For homeowners 62 and older who want to use their home equity without selling, explained with the costs and responsibilities in plain view.
Loan Options
Investors, business owners, and luxury buyers often need more than a standard loan. Start with the option closest to your situation, then talk it through with Mark.
Qualify for a rental property on the income it produces, measured by its debt service coverage ratio, instead of your personal income documents.
For self employed borrowers and business owners: document income with 12 or 24 months of personal or business bank statements instead of tax returns.
Financing above conforming loan limits for high value and luxury properties, including complex, high balance scenarios.
Plan Your Payment
Try your own numbers for a fixed rate purchase. For VA buyers, the VA calculator includes the funding fee.
This calculator is an illustration, not a loan offer, Loan Estimate, rate quote, or approval. It does not include mortgage insurance, which may apply to some loans with less than 20% down, or other closing costs. Actual rates, payments, and eligibility vary.
Who I Help
Whatever stage you are in, the first step is the same: a conversation about your plans and the options worth comparing.
Empower Through Action.
Mark’s personal philosophy
Meet Your Mortgage Advisor
Mark W. Pattison, NMLS 2334799
Mortgage Advisor · NEXA Mortgage, LLC
I’m a mortgage advisor based in North County Coastal San Diego, helping clients across Arizona, California, Puerto Rico, and Texas. As the son, grandson, and proud father of veterans, I have a deep respect for those who serve and the families behind them.
My background in business, decades of martial arts instruction, and raising four children shape how I work: steady, direct, and focused on what matters to you. I enjoy the numbers, but understanding your goals comes first.
01
Start with your goals, your timing, and the questions on your mind.
02
See the programs that fit, with the costs and tradeoffs of each.
03
Apply securely when you are ready, with updates through closing.
Your Questions
From buying your first home to reviewing your current mortgage, start with answers to some common questions. Don’t see yours? Ask Mark directly.
No. Mark prefers to start with your questions or a conversation about your goals. If an application is the appropriate next step, he will explain what information is needed and how to submit it securely.
The starting point is your situation: what you want to accomplish, your income, available funds, and plans for the property. Mark helps you compare suitable loan options, including their payments, upfront costs, and tradeoffs, so you can make an informed decision.
Not necessarily. According to the National Association of Realtors’ 2025 report, the median down payment for first time homebuyers was 10%. Some mortgage programs allow smaller down payments, and certain eligible borrowers may qualify for financing with no down payment. Mark can help you explore your options and understand how much you’ll need upfront, including your down payment and other closing expenses.
Yes. Depending on your circumstances, options may include refinancing, a home equity loan, or a home equity line of credit. Mark can help compare costs, payment changes, and whether keeping your existing first mortgage makes sense.
Possibly. Being self employed does not automatically mean you need a specialty loan. Mark can review traditional financing alongside options that use alternative income documentation, such as eligible bank deposits. The appropriate approach depends on your income, records, and lender requirements.
Yes. Options may include conventional investment property financing and DSCR loans, which evaluate the property’s rental income relative to its debt obligations. Credit, down payment, reserves, and property requirements still apply.
Yes. Whether you’re buying a higher priced home or have income and assets that don’t fit a straightforward loan application, Mark can help you explore your options. He works with business owners, borrowers with multiple income sources, and those using substantial assets to qualify, matching their circumstances with available loan programs.
Mark specializes in VA and reverse mortgages, with a dedicated website for each. Visit VA Mortgage Master to learn about your VA home loan benefits, or Retirement Mortgage Master to explore how a reverse mortgage works, including its potential benefits, costs, and responsibilities. If you’re unsure where to start, reach out to Mark directly.
Mark works with clients in Arizona, California, Puerto Rico, and Texas, with consultations available by phone or video. Buying or refinancing elsewhere? He can connect you with business partners whose licensing covers nearly all 50 states.
Start a Conversation
You do not need to have everything figured out. Send Mark your question and choose how you would prefer to hear back.
Already decided and ready to apply?
Ask Mark a Question
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