Mortgage & Lending

American Legacy Loans — Powered by Nexa Mortgage

Wholesale brokerage. 48 states. Over 200 wholesale lenders, 4,500+ products.

About American Legacy Loans

Wholesale rates, white-glove service.

Lending services available in 48 states. Access to more than 250 wholesale lenders and over 4,500 loan products.

Financing is more than securing a loan — it's about finding the right strategy to support your long-term financial goals. Through American Legacy Loans, powered by NEXA Mortgage, clients gain access to one of the nation's largest wholesale lending networks, delivering competitive rates, flexible financing solutions, and exceptional lending expertise.

Whether you're purchasing your first home, upgrading to your next property, refinancing, investing in real estate, or seeking specialized financing solutions, our team works diligently to identify the most advantageous loan program for your unique circumstances.

Why Choose American Legacy Loans?

More lenders. More options.

Unlike traditional retail lenders limited to a single set of products, our wholesale brokerage model allows us to shop multiple lenders on your behalf — helping you secure the most competitive terms, optimal financing structure, and a smoother lending experience.

01
Access to 250+ wholesale lending partners
02
More than 4,500 mortgage and financing solutions
03
Competitive wholesale interest rates
04
Conventional, FHA, VA, USDA, Jumbo, and Non-QM loan programs
05
Investment and commercial financing options
06
Personalized guidance from application through closing
07
Lending services available in 48 states

More opportunities to achieve your real estate goals — with confidence.

Quick Pre-Approval

Start in 60 seconds.

Drop your number — Sannah'll text you back the same day with the loan programs you qualify for and the rate band you should expect. No credit pull at this step. No commitment.

Prefer the full application? Use Step 1 below.

Your Loan Originator

Apply with Sannah.

American Legacy Loans

Sannah Muhammad, LLM

Mortgage Loan Originator

NMLS# 2077379

24/7 Text:(832) 614-6885

Call:(832) THE-BEST

E:AmericanLegacyLoans@NexaLending.com

Step 1

Easy Online Application

Secure online intake powered by NEXA's LendingPad portal. Takes about ten minutes.

Click here to apply →

Step 2

My Credit Report

Order your tri-merge credit report directly. Required for full underwriting and rate-lock.

Click here to order →

More Than Rates

Relationships, not transactions.

CLICK HERE TO GET YOUR FREE PRE-APPROVAL!

At American Legacy Loans powered by Nexa Mortgage, we lend in over 48 States nationwide with a special focus on the Local Texas Market, with the additions of Florida, Virginia, North Carolina, and California markets. Powered by the Fastest Growing No.1 Brokerage in the US. Unbeatable interest rates. Core and Core Plus Speciality Programs. Our mission is to provide our Partners and Clients with the most diverse wholesale lending portfolio and unrivaled support in the mortgage and loan community.

UNMATCHED CUSTOMER SERVICE

Enriched and Devoted, Client Focused Customer Service. The majority of our Business comes through Client Referrals and Recommendations. We are focused on Saving You, Your Dear Family, and Friends the Most Money possible through the Best Rates and Programs whilst offering you an Exceptional Service synchronous to being your One Stop No.1 Mortgage and Loan Brokerage for Life!

FEW OF OUR LOAN PROGRAMS AND SERVICES

Primary Home Loans: Conventional, FHA, VA, USDA, One Time Close Construction Loans, Renovation, Down Payment Assistance Programs, Reverse Mortgage, Home Equity Line of Credit NON-QM Mortgage Loans: DSCR, Jumbo, Bank Statement, P&L Programs, 1099, Asset Based, ITIN, Second Mortgages, No Document, No Ratio Loans. Investment Loans: Investor DSCR, Real Estate Portfolio Loans, Fix and Flip Loans, Ground Up Construction Loans, Land Loans. Foreign National Loans. Commercial Loans: Real Estate Portfolio Loans, Hard Money, Short Term Bridge Loans, Multi Unit DSCR Loans, Mixed Use Property, Cash Flow Based Loans, MD-Medical Office Building Loans, Project Loans, Cross Collateralization Loans, SBA Loan Programs, Equipment Financing, Business Lines of Credit, Business & Personal Credit Card Programs, Term Loans.

DISCLAIMER

Our WHOLESALE Mortgage and Loan Programs are not available through any other Lenders or Brokers. We have specialty programs and products with each lender at special wholesale prices, specifically available due to our repeat, high level of business and market share of successfully satisfied and closed clients. We are currently ranked the Fastest Growing No.1 Mortgage Broker in the US. Our purpose is to grow and succeed by saving you money and providing you with a service which you can trust and recommend to others for several years to come.

Refer a Business Purpose Loan for a Referral Fee

Monetize your network now referring commercial business purpose mortgages to American Legacy Loans! Do you have a network of real estate investors? Earn a Referral Fee for Eligible Loans Closing in an LLC or Entity for Real Estate Investment Properties in Eligible States. No Primary or Secondary Homes Eligible. Only Investment Properties for Business Purpose. Other terms and Conditions Apply. Contact us to submit your potential deal and join as a commercial referral partner.

The Process

9 simple steps to apply.

01
Use Our Online Application Link to Apply (only takes 10-15 mins).
02
Gather Your Documents and Upload to Your Secure Registered Personal Portal
03
Speak With Your Mortgage Loan Officer and Receive your Pre-Approval Letter Which, We Share With Your Realtor So That You Can Begin Looking For Your Perfect Home.
04
Once You Find Your Dream Home & Are Ready to Move Forward We Will Search Across The Board Once Again To Ensure That We Find The Best Loan Program To Save You The Maximum Possible and Submit Your Loan File To The Underwriting Department.
05
Sign Your Initial Loan Disclosure Detailing Interest Rates, APR, Monthly Payment and Closing Costs.
06
Work With Your Mortgage Loan Officer by Providing All Necessary Documents in a Timely Manner.
07
Receive Conditional Approval From Lender - This Means Your Mortgage Loan is Tentatively Approved Pending Final Conditions.
08
Submit Final Conditions to Mortgage Loan Officer.
09
Receive Your Clear to Close on Your Mortgage Loan!

Programs & Services

A few of our loan programs.

Primary Home Loans

Conventional, FHA, VA, USDA, One-Time-Close Construction

NON-QM Mortgage Loans

DSCR, Jumbo, Bank Statement, P&L Programs, 1099, Asset Based

Investment Loans

Investor DSCR, Real Estate Portfolio Loans, Fix and Flip

Commercial Loans

Real Estate Portfolio Loans, Hard Money, Short-Term Bridge Loans

Lending Disclosures

American Legacy Loans

NMLS#: 1660690

AZMB - 0944059

5559 S Sossaman Rd, Building 1 #101

Mesa, AZ 85212

American Legacy Loans is a mortgage and lending operation powered by NEXA Mortgage, LLC. All loan applications are subject to credit, underwriting, and property approval. Programs, rates, terms, and conditions are subject to change without notice. This is not a commitment to lend. Not all applicants will qualify.

Loan originators are licensed under the Nationwide Multistate Licensing System (NMLS). For state-specific licensing information please visit the NMLS Consumer Access portal at nmlsconsumeraccess.org. Equal Housing Lender. Equal Housing Opportunity.

American Legacy Real Estate

Get pre-approved today.

One call. Wholesale rates. Same-day pre-approval.

(832) THE-BEST Email Us