Franz Sarangaya - Realtor & Mortgage Loan Officer

Franz Sarangaya - Realtor & Mortgage Loan Officer Helping Texans get into their !
$0 down, little to no money out of pocket
600 minimum credit score
Based in Hou

06/20/2026

Getting pre-qualified before your latest tax return is filed may still be possible in certain situations.
It’s also important to verify whether a condo is FHA eligible, as that can impact the loan options available to you.

💬 Not sure if you're ready to get pre-qualified? Let's review your situation and discuss the financing options that may help you move forward with confidence.

Instagram: Forge Home Consulting
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Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com
COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/20/2026

Selling a home isn’t just about putting a sign in the yard and waiting for offers. The right strategy starts with proper pricing, targeted marketing, and understanding all the options available to you.

When you know your options, you can make informed decisions that align with your goals and maximize your home's potential.

💬 Thinking about selling your home? Reach out today to discuss your options and build a customized strategy for your property.

Instagram: Forge Home Consulting
TikTok:
Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com
COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/20/2026

Why skipping the hard pull upfront is costing your clients the deal! Learn with Franz! 🛑💳

Watch the video to see why realtors on the front lines should never rely on soft credit pulls! While a soft pull looks nice on paper to keep a borrower comfortable, it hides the real truth. In mortgage financing, you're going to pay for those hidden credit issues in the end anyway—so you might as well get the hard pull done upfront to reveal the true numbers! 🏠✨

💬 Why let your buyers shop around and wreck their credit score with multiple hits? Because we partner with over 270—now closer to 325—of the top lenders in the country, we can use that one single credit pull to shop the entire market for them. Let’s protect your client's credit, get the hard data out of the way, and lock in their real approval today! 💼📲

Instagram:
TikTok:

Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com

COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/20/2026

What a $200k home actually costs in today's market! Learn with Franz! 🛑🧮

Watch the video to see how to quickly map out your true buying power in today's interest rate environment! A great rule of thumb to keep in mind is the one-to-one ratio: think of a $200,000 house as roughly a $2,000 monthly payment. Of course, that number fluctuates by about $300 to $500 depending on your credit score and—most importantly—your property taxes and homeowners insurance! 🏠✨

💬 If you're looking in an area with lower tax rates and affordable insurance premiums, that $200,000 home might only run you around $1,600 to $1,800 a month, even with a down payment assistance program layered in. On the flip side, if your credit score shifts your rate, you might look closer to $1,900. By preparing your buyers with these realistic parameters upfront, they can instantly see their true buying power and judge exactly how ready they are to make a move. Ready to stop guessing and paint a clear picture of your budget? Let’s connect and look at the real numbers today! 💼📊

Instagram:
TikTok:

Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com

COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/20/2026

30-Year vs. 50-year mortgage? Why the terms don't matter if you're chasing the wrong prize! Learn with Franz! 🛑🧮

Watch the video to see why arguing over a 30-year or a 50-year mortgage term completely misses the mark. The exact length of your loan isn’t what builds wealth—living within your means does! True homeownership success means stopping the endless chase for a flashy "dream home" and focused instead on chasing immediate financial opportunity. 🏠✨

💬 I work with clients who make $200,000 a year but choose to buy a $250,000 or $300,000 home. Why? Because they understand how to live below their means to achieve true financial freedom, rather than burning cash just to keep up with the Joneses. That modest property becomes the ultimate stepping stone to set up their future stability. Ready to stop over-extending and secure a home that fits your real path to wealth? Give us a call and let’s map out your strategy today! 💼📈

Instagram:
TikTok:

Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com

COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/19/2026

Who has the final say in your home purchase? No one except YOU! Learn with Franz! 🛑🧮

Watch the video to see why the entire homebuying process starts and ends with your own comfort level. If you are feeling anxious or hesitant about jumping into the market, it’s almost always because you don't fully understand the underlying math. When you don't know your exact numbers, it's impossible to make a confident decision. 🏠✨

💬 True financial literacy means removing the mystery from your mortgage. You shouldn't have to guess what your monthly payment looks like, what your closing costs are, or how different loan options impact your lifestyle. Once you master the data, the anxiety disappears and you gain total control over your future. Ready to replace the stress with hard facts and clear strategies? Give us a call today and let's get your numbers completely dialed in! 💼📲

Instagram:
TikTok:

Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com

COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/19/2026

How knowing loan programs keeps your pipeline secure! Learn with Franz! 🛑💼

Watch the video to see why vetting your clients with deep program knowledge completely changes the game for realtors on the front lines! When you can listen to a buyer share their credit score and income, and instantly pinpoint exactly which down payment assistance or creative financing programs fit their profile, you unlock a completely new layer of authority. You aren't just hoping a deal works out—you know you can close them. 🏠✨

💬 True real estate confidence doesn’t just come from finding a pretty house; it comes from knowing the precise mortgage avenues that turn a hesitant shopper into a guaranteed homeowner. When you team up with a lender who keeps you armed with real data and diverse options, you protect your time and maximize your commission checks. Ready to elevate your pre-approval strategy and gain absolute certainty on your files? Let’s connect and map out your clients' numbers today! 💼📊

Instagram:
TikTok:

Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com

COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/18/2026

Why seeing the hard numbers changes everything! Learn with Franz! 🛑🧮

Watch the video to see why a mortgage calculator is the most powerful tool in your homebuying toolkit! When you're looking at a $400,000 home at a 6.5% interest rate, trying to guess your numbers won't cut it. You need to see exactly how your estimated property taxes, homeowners insurance, and different loan programs shift your real out-of-pocket costs side-by-side! 🏠✨

💬 What's the real difference between a Down Payment Assistance (DPA) program at 3.5% down, a standard FHA loan, and a conventional 5% down option? With DPA at 6.5%, your monthly payment sits right around $3,814—but if we can pull that interest rate down to 5.5%, your monthly obligations shift completely. Ready to scan the code, crunch your actual budget, and stop guessing your numbers? Let's connect to build your custom breakdown today! 💼📊

Instagram:
TikTok:

Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com

COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/18/2026

How to take over a 3.25% interest rate in today's market! Learn with Franz! 🛑📈

Watch the video to see why traditional financing isn't the only way to win in real estate! In this exact scenario, we found an investor to step in and take over a seller's existing mortgage. Why? Because the seller locked in a legendary 3.25% interest rate back in 2021 on a $230,000 purchase, leaving them with a monthly payment of just $1,600. 🏠✨

💬 Here is where the math gets incredible: market rent in that exact area is $2,300 a month. By deploying creative financing, the investor only needs to bring about $30,000 to the table to acquire the property, instantly unlocking $500+ in passive monthly cash flow! If that same investor went to a bank today for a traditional loan at current market rates, the deal wouldn't cash flow at all. Ready to stop letting high interest rates hold your portfolio back and start finding these hidden gems? Let's connect and look at the numbers today! 💼📊

Instagram:
TikTok:

Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com

COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

06/18/2026

The down payment for owner financing isn’t a one-size-fits-all number. In most cases, buyers can expect to put down around 10% to 20%, but the right amount often depends on how much equity the seller has invested in the property.

For sellers, the down payment can help recover a portion of their investment upfront while allowing the remaining equity to be paid back over time through monthly payments. For buyers, owner financing can create opportunities that may not be available through traditional lending, making homeownership more accessible in certain situations.

💬 Curious whether owner financing could work for your next home purchase or investment property? Let’s talk through your options and find a strategy that fits your goals.

Instagram: Forge Home Consulting
TikTok:
Franz Sarangaya
Loan Officer — NMLS # 2624915
Real Estate License — License # 0736162
NEXA Lending, LLC | www.NEXAmortgage.com
COMPANY STATE LICENSE # AZMB-0944059
NMLS # 1660690
5559 S Sossaman Rd Bldg #1 Ste #101 Mesa, AZ 85212

Address

200 N Kimball, Ste 2221 #1113
Southlake, TX
76092

Telephone

+12815022593

Website

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