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Background, licensing and lending approach of the loan officer you will actually work with, including the states served and the borrowers helped most often.
Every loan starts with a conversation about your goals — budget, timeline, credit, and the monthly payment you are comfortable with. From there, Andrew compares programs across FHA, VA, USDA, conventional, jumbo, and investor options to find the structure that actually fits, then manages the file through underwriting to a smooth closing.
Call (831) 229-5044 to get started. You can also email andylugolending@gmail.com.
Andrew Lugo, Loan Officer at NEXA Lending. NMLS #212011. Call (831) 229-5044.
Andrew Lugo is a Loan Officer at NEXA Lending (NMLS #212011). Expert mortgage loan originator in California helping first-time buyers, refinancing, and home purchases. Licensed #212011. Call (831) 229-5044 today.
Andrew Lugo is licensed to provide mortgage services in California.
Andrew Lugo offers a full range of mortgage services, including home purchase loans, mortgage refinancing, and first-time homebuyer programs for borrowers in California. 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 (831) 229-5044 and email andylugolending@gmail.com to get started or ask about current mortgage rates and pre-approval.
Andrew Lugo's NMLS license number is 212011. You can verify this license at nmlsconsumeraccess.org.
Getting pre-approved is simple: share your income, assets, and credit details, and Andrew Lugo will review your finances to determine how much home you can afford and provide a pre-approval letter to strengthen your offer.
Mortgage rates change daily and vary depending on your unique situation. Get your customized quote here.