Your Pathway to Homeownership Starts Here
Most Trusted. Most Simple. Most Realtor Referred.
Louie, Homayoun M.B.A
Mortgage Loan Advisor
(971) 464-6653
hlouie@nexamortgage.com
www.blueribbonhomeloans.com
About me:
Hi, I’m H. Louie, an experienced Mortgage Loan Advisor proudly serving clients with personalized, honest, and results-driven lending solutions.
Before entering the mortgage industry, I spent over a decade as an educator at Portland Community College in Portland, Oregon. My passion for helping others succeed led me to teaching—and it’s the same passion that now fuels my work in guiding individuals and families through one of the most important financial decisions of their lives: homeownership.
With an MBA and a strong foundation in financial principles, I bring both strategic insight and real-world understanding to every loan I structure. I work with over 265 wholesale lenders, giving me the flexibility to find the most competitive rates and creative solutions for a wide range of borrowers—from first-time buyers to investors, and even self-employed clients with complex income situations.
Whether you're looking to purchase a home, refinance, or explore loan options for a vacant lot, my goal is to make the process smooth, educational, and tailored to your needs. I believe in clear communication, fast turnaround times, and always putting my clients’ goals first.
At NEXA Mortgage, we offer programs and pricing that both clients and real estate partners truly appreciate. With dedicated processing, responsive underwriting, and local appraisers who understand our market inside and out, we’re able to deliver a smooth and reliable loan experience.
We also offer aggressive loan programs—including niche options and flexible solutions—that are hard to find elsewhere, all at highly competitive rates. Whether you're working with buyers who need low down payment solutions, alternative income documentation, or unique loan structures, NEXA has the tools and lending partnerships to get it done.
Conforming Fixed
Options that allow for up to
3% down
Home Equity Loans
Closed-end 2nd mortgages and lines of credit available as stand alone products or in combination with a 1st mortgage and a combined CLTV of up to 95%.
Downpayment Assistant Programs
Options available to assist with down payment and closing costs for qualified borrowers.
FHA,VA & USDA
Smaller down payments and expanded qualifying ratios.
We can lend down to a 500 FICO score on FHA.
Construction
Financing for the construction of a new home with as little as
5%* down.
Zero Down Payment Options
0% down payment option for the first-time and repeat home buyers.
Jumbo Loans
Low rate options for loan amounts up to $3 million
Renovation Programs
Streamline renovation loans that allow for the purchase and rehab for a home.
NON QM Loans
Rather than using cash for a down payment apply it towards a lower interest rate and shorter loan term.
Vacant Land
Options that allow for as little as 10% down
Professional
Home financing for established professionals for as little as 3% down without monthly mortgage insurance.
What We Do
At NEXA Mortgage, we’re making the mortgage process easier than ever. Our experienced team of licensed mortgage brokers is committed to providing personalized service, competitive loan options, and a smooth path to closing. Whether you're purchasing, refinancing, or exploring investment opportunities, we’re here to guide you every step of the way.
Home Purchase Loans
Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
Refinance Rates
Lock in great terms with current interest rates to ensure your home remains affordable—or build more equity with an update!
Fast Funding
Seize opportunity as soon as you can with our fast funding options, giving you the freedom to cure that house fever.
Home Purchase Loans
Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
Cash-Out Refinance
Take advantage of your home’s equity with a cash-out refinance. It’s your cash — spend it how you see fit.
Home Purchase Loans
Secure a home purchase loan that utilizes today’s great mortgage rates to make your dream home affordable.
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