Mortgage broker · Serving NJ, PA & FL
Your home loan, shopped across lenders — not stuck with one bank.
I'm David Hutchison. I've been a mortgage loan originator since 2000. As a broker with NEXA Lending, I compare programs from a wide network of wholesale lenders to find the right fit for veterans, first-time buyers, self-employed borrowers, and investors in New Jersey, Pennsylvania, and Florida.
Start here
What are you trying to do?
Buy a home
First home or next home, get a budget and a program that fits before you shop.
Buying →Refinance
Lower the payment, change the term, or put your equity to work.
Refinancing →Use your VA benefit
Veterans, service members, and surviving spouses: purchase, IRRRL, or cash-out.
VA loans →Invest or self-employed
DSCR loans on rental income and bank statement loans for business owners.
Investor loans →Loan programs
The loans I do every week
Conventional
Good creditLoans that follow Fannie Mae and Freddie Mac guidelines. Flexible on property type, and mortgage insurance can come off as you build equity.
FHA
Flexible creditGovernment-insured loans with more forgiving credit and debt-to-income guidelines, and down payment gifts are allowed.
VA
VeteransFor eligible veterans, service members, and surviving spouses. No monthly mortgage insurance, with funding fee exemptions for many disabled veterans.
First-time homebuyer
First homeA plain-English walkthrough of budget, programs, and cash to close before you ever write an offer.
Down payment assistance
Cash to closeState and local assistance programs in NJ, PA, and FL that can help with down payment and closing costs, paired with an eligible first mortgage.
Bank statement
Self-employedQualify using 12 or 24 months of personal or business bank statements instead of tax returns.
DSCR
InvestorsQualify an investment property on its rental income compared to the payment, not your personal income. LLC ownership is often allowed.
Refinance & cash-out
HomeownersChange your rate or term, pull equity out, consolidate higher-interest debt, or drop mortgage insurance.
Why a broker
One advisor, many lenders behind the scenes
More than one rate sheet
A bank can only offer its own programs. As a broker I can compare pricing and guidelines across multiple wholesale lenders for the same scenario.
Room for real-life files
Self-employed income, rental properties, gift funds for a down payment: different lenders see files differently, and part of my job is knowing which one fits yours.
Same person, application to closing
You deal with me directly from the first call through the closing table, not a call center.
How it works
From first call to keys
Talk it through
A quick call about goals, budget, and timeline. No credit pull needed.
Apply securely
Complete the online application and upload documents through NEXA's secure portal.
Compare options
I shop your scenario and walk you through the programs and costs side by side.
Underwriting
Appraisal, title, and underwriting conditions, with updates from me along the way.
Close
Review your Closing Disclosure together, sign, and get the keys.
Calculators
Run your own numbers first
Estimate a payment, see what you can afford, check a refinance break-even, or test a rental's debt coverage. Then bring the numbers to our call.
- Monthly paymentPrincipal, interest, taxes, insurance, HOA, and mortgage insurance→
- AffordabilityA home price range based on income, debts, and down payment→
- RefinanceMonthly savings and how long it takes to earn back closing costs→
- VA loan paymentIncludes the VA funding fee, with the disability exemption→
- DSCR (rental)Does the rent cover the payment? See the ratio lenders look at→
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…”
“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.”
“Dave was extremely helpful and detail oriented. This was my first time buying a home, and, with Dave’s help, it was super smooth.”
Reviews posted on Google by clients of David Hutchison, including loans closed with prior companies. Individual experiences vary.
Quick quote
Tell me what you're working on
Share a few details and I'll reach out, usually the same business day, to talk through options. This is a conversation, not an application — no Social Security number and no credit pull.
- Call/Text(609) 665-3460
- Emaildhutchison@nexalending.com
- NMLS#63021