Mark W. Pattison, NMLS 2334799
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | TX 2334799
NEXA Mortgage, LLC · NMLS 1660690 · Equal Housing Lender
Mark W. Pattison, NMLS 2334799
Mortgage Advisor
AZ LO-2001289 | CA DFPI 2334799 | 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 | 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
Have a question that is not covered here? Ask Mark directly.
A DSCR loan is a mortgage for an investment property that qualifies you based on the property’s rental income compared with its monthly payment, rather than your personal income documents.
Often, yes. Bank statement programs can use 12 or 24 months of personal or business statements to document income. Requirements vary by lender and program.
Yes. Jumbo loans cover amounts above conforming limits, and Mark can review options for complex, high balance purchases and refinances.
Mark is licensed in Arizona, California, Puerto Rico, and Texas, and works with clients by phone and video.
No. Start with a call or a question, and decide whether to apply once you understand your options.
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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