Wholesale Mortgage BrokerKnow Exactly How Much Home You Can Afford
Before you ever tour a listing. Oakley Pike pairs national wholesale lending power with personalized strategies for homebuyers, homeowners, and real estate investors across Michigan and Ohio.
Not sure which loan fits? Take the 3-question loan finder →
Home Purchase Qualifier
Fill out this simple form to receive custom mortgage options & pre-qualification.
Not Sure Which Loan Fits You?
Answer three quick questions about your goals, cash, and credit. We'll suggest the loan programs worth comparing — no credit pull, no application, no pressure.
What are you trying to do?
Pick the closest fit — we'll narrow from there.
15 Specialized Loan Programs
From first-time homebuyers to multi-property investors and business owners, explore our complete suite of mortgage options with transparent terms.
Conventional Mortgage Loans
Standard conforming loans with down payments as low as 3% and flexible fixed or ARM terms.
FHA Mortgage Loans
Government-backed financing offering 3.5% down with flexible guidelines for a range of credit profiles.
VA Mortgage Loans
$0 down payment and NO monthly mortgage insurance for eligible veterans, active service & spouses.
USDA Rural Development Loans
100% financing ($0 down) for eligible homes in designated suburban & rural areas.
DPA (Down Payment Assistance)
Grants, second mortgages, and forgivable loans to help cover your upfront down payment & closing costs.
HELOC & Home Equity Loans
Access your home's equity for renovations, debt consolidation, or other needs — often without replacing your existing first mortgage.
Bridge Loans
Short-term interim financing to buy a new property before selling your current home.
Construction & Renovation Loans
Finance major remodeling, home additions, or ground-up builds with flexible draw schedules.
FHA 203(k) Rehabilitation Loans
Finance both your home purchase and renovation costs into one single FHA-insured mortgage.
OTC (One-Time Close) Construction
Combine your land purchase, construction build, and permanent mortgage into one streamlined closing.
Reverse Mortgage (HECM)
Turn home equity into cash for homeowners aged 62+ with no required monthly mortgage payment.
DSCR (Debt Service Coverage Ratio)
Investor loans qualified on property cash flow — no personal tax returns or paystubs required.
Commercial Real Estate Mortgages
Financing for retail centers, office buildings, industrial spaces, & multi-family properties.
SBA Business & Real Estate Loans
SBA 7(a) and 504 financing for small business acquisitions, working capital, and commercial real estate.
Unsecured Loans & Credit Cards
Fast personal & business unsecured funding for working capital, repairs, or liquidity.
Do I Qualify For a Mortgage?
Lenders look at your debt-to-income (DTI) ratio, but there is no single universal limit. The DTI a lender will allow depends on the loan program, automated underwriting approval, and your complete borrower profile— including credit, assets, reserves, and the property.
Varies by Program
Many conventional guidelines target a housing ratio near 43% of gross monthly income, but the allowable ratio differs by program and lender.
Underwriting Driven
Automated underwriting and compensating factors — reserves, assets, and strong credit — can expand the total debt ratio a lender will approve.
Run the Numbers Before You Apply
Estimate your monthly payment and how much home you can comfortably afford. Move the sliders, enter your own rate, and see your scenario instantly — no credit pull, no application.
- Monthly payment with P&I, tax, insurance & est. PMI
- Affordability based on your income, debts & down payment
- Educational estimates — not a rate quote or loan offer
Who We Serve
Tailored mortgage strategies for every stage of homeownership and investing.
Homebuyers
First-time and move-up buyers seeking the right program and a competitive rate.
Homeowners
Refinance, HELOC, or cash-out to unlock equity and lower your payment.
Investors
DSCR, bridge, and portfolio loans built for cash-flow real estate.
Business Clients
SBA, commercial, and unsecured capital for growth and operations.
Why Work With Oakley Pike & NEXA Lending?
NEXA Lending is a national wholesale mortgage broker. With access to 300+ wholesale lenders, Oakley shops the entire marketplace to match you with competitive pricing and specialized programs.
Common Mortgage Questions
Clear, honest answers — no pressure, no jargon. Have a question that's not here? Oakley is one call away.
Ready to Find Your Perfect Loan?
Get a free, no-pressure scenario analysis. Oakley Pike reviews your credit, income, and goals to match you with the right program from 300+ wholesale lenders.