Breaking the Cycle

Your first home starts with a plan.

If you've been renting for years or had a financial setback, you're not starting from zero. You're starting with a plan: where you stand, what's missing, and when you can buy.

Start my homebuying plan →

The button opens the Bevri application, where we start your plan. Starting doesn't commit you to a loan.

Who this is for

If you've been told no before, start here.

Longtime renters

Years of rent and nothing to show for it.

First-time buyers

Never bought before and not sure where to start.

Rebuilding credit

Collections, late payments or one bad year.

Turned down before

A "no" from another lender isn't the last word.

How it works

Three steps from renting to owning.

1

See where you stand

Answer a few questions so we can see your credit, savings and income today.

2

Build your plan

Get a written plan with what to work on and in what order.

3

Work toward prequalification

When your numbers are ready, we review your loan options together.

The excuses

"I can't buy a home because…"

Pick your reason and follow the arrows. Options depend on eligibility for each program.

I can't buy a home because…
My credit took a hit.
Next stepBuild a credit plan.
Options to exploreAngelAi Credit Boost for disputed accounts, or a referral to an independent credit repair company.
I don't have much saved.
Next stepFind out how much cash you need.
Options to exploreNevada down payment assistance and low-down-payment loans, subject to eligibility.
I'm self-employed.
Next stepShow how you earn.
Options to exploreBank statement or tax-return loan options, plus W-2 income if you also earn it.
I've been turned down before.
Next stepFind out what held up your application.
Options to exploreReview your denial letter and use AngelAi to see which programs may fit now or what would need to change.
Start my homebuying plan →

Opens the Bevri application.

Rent vs. own

Run the numbers with yours.

The numbers below are examples. Change them to fit you. If renting comes out ahead, this will say so.

Examples · edit them
Buying assumptions
Est. monthly cost
$0
Cash needed upfront
$0
Down payment + closing costs
Potential equity
$0
RentOwn
Monthly payment today
Total paid out
Equity at the end$0
Net cost

Estimates for education only. Uses a 30-year fixed mortgage. Mortgage insurance applies under 20% down. Leaves out selling costs, tax deductions and what saved cash could earn elsewhere. Not a loan offer or commitment to lend.

Questions

Straight answers

I'm Ron Stoker, a Nevada real estate broker with AXEN Realty and a mortgage loan originator with NEXA Lending. I help with the plan, the loan and the house.

What if I'm six months or a year away?

Start anyway. You leave with a plan for what to work on, whether that's credit, savings or income documents, and we check in with you along the way.

What happens after I click?

The button opens the Bevri application. You answer questions about your income, savings and credit. Then I go over it with you and we set the next steps. Starting doesn't commit you to a loan.

Can I start if I've been denied before?

Yes. Bring your denial letter. We look at why it happened, use AngelAi to review which programs may fit now, and if none fit yet, we tell you what would need to change.

The cycle breaks with a plan.

Start today. It's free to start and there's no obligation.

Start my homebuying plan →

Opens the Bevri application.