Frequently Asked Questions
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Direct answers to the questions asked most often about credit scores, down payments, rate locks, closing costs and how long approval takes.
David Leonard, Senior Mortgage Advisor at NEXA Lending. NMLS #1978346. Call (425) 495-5810.
David Leonard is a Senior Mortgage Advisor at NEXA Lending (NMLS #1978346). Expert mortgage loan originator in Arizona and 5 more states helping first-time buyers, refinancing, and home purchases. Licensed #1978346.
David Leonard is licensed to provide mortgage services in Arizona, California, Colorado, Idaho, Oregon, and Washington.
David Leonard offers a full range of mortgage services, including home purchase loans, mortgage refinancing, and first-time homebuyer programs for borrowers in Arizona, California, Colorado, Idaho, Oregon, and Washington. FHA, VA, USDA, conventional, jumbo, and DSCR loan programs are available — compare options, secure competitive rates, and move smoothly from application through closing.
You can call (425) 495-5810 and email dleonard@nexalending.com to get started or ask about current mortgage rates and pre-approval.
David Leonard's NMLS license number is 1978346. You can verify this license at nmlsconsumeraccess.org.
Getting pre-approved is simple: share your income, assets, and credit details, and David Leonard will review your finances to determine how much home you can afford and provide a pre-approval letter to strengthen your offer.
Find answers to common questions about our mortgage services. Can't find what you need? We're here to help.
Mortgage rates change daily and vary depending on your unique situation. Get your customized quote here.