Last updated: May 2026
By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree, do not use this site.
Nothing on this website constitutes an offer of credit or a commitment to make a loan. All loan applications are subject to lender approval based on credit, income, property, and other underwriting criteria. Rates and terms are subject to change without notice.
While we strive to provide accurate information, mortgage rates, terms, and program details change frequently. The information on this site is for general educational purposes and should not be relied upon as a final determination of loan eligibility, terms, or pricing. Contact Shawn directly for current rates and program details applicable to your specific situation.
Mortgage calculators and other tools on this site provide estimates only. Actual loan terms, payments, and costs may differ based on your specific financial situation, the property, lender requirements, and other factors.
Shawn McDowell is licensed as a mortgage loan originator (NMLS #2014311) and operates under NEXA Lending LLC (NMLS #1660690). Verify licensing at NMLS Consumer Access.
We are an Equal Housing Lender and comply with all applicable fair housing and lending laws. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, age, or any other protected class.
This site contains links to third-party websites (such as application portals operated by NEXA Lending or third-party HELOC providers). We are not responsible for the content, privacy practices, or terms of those sites.
All content on this site, including text, graphics, and logos, is owned by Shawn McDowell or used with permission. You may not reproduce, distribute, or use it without written authorization.
This site is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Shawn McDowell and NEXA Lending LLC are not liable for any indirect, incidental, or consequential damages arising from your use of this site.
These terms are governed by the laws of the State of Texas. Any disputes arising from the use of this site shall be resolved in Texas courts.
We may update these terms at any time. Continued use of the site after changes constitutes acceptance of the revised terms.
Questions about these Terms? Contact:
Shawn McDowell · NMLS #2014311
NEXA Lending LLC · NMLS #1660690
Email: smcdowell@nexalending.com
Phone: (713) 825-4413