Partnering for a Seamless Buyer Experience
How My Lending Process Supports Your Clients and Your Business
Two Paths, One Shared Goal
Your Mission
As a Realtor®, you're guiding buyers through one of life's biggest decisions. You need a lending partner who moves as fast as you do, communicates proactively, and protects your reputation with every transaction.
When the lending process works seamlessly, your clients feel confident, your offers stand stronger, and your business thrives through referrals and repeat clients.
My Commitment
I believe exceptional lending is built on partnership, not just paperwork. My mission is to support your success by creating smooth, transparent homebuying experiences that exceed expectations.
When agent and lender work in perfect alignment, buyers win. They secure homes faster, navigate challenges with confidence, and remember the team that made it possible. That's the foundation of lasting referral relationships.
My Journey in Lending
With 24 years of experience in mortgage lending, I specialize in helping homebuyers and homeowners secure the best financing solutions tailored to their needs. Whether they're purchasing their first home, refinancing, or exploring personal lending options, I provide expert guidance every step of the way.
Since joining NEXA Mortgage in April 2023, I've been able to offer a wide range of competitive loan programs designed to fit most financial goals. My commitment is to make the lending process smooth, transparent, and stress-free—ensuring your clients feel confident in every decision.
What You Can Expect From Me
Proactive Communication
You'll never wonder where things stand. I provide regular milestone updates, same-day responses, and clear timelines so you can confidently update your clients.
Unwavering Consistency
My process is systematized for reliability. From pre-approval to closing, you'll experience the same high standards, thorough attention, and professional service every single time.
Strategic Support
I anticipate challenges before they become problems. My team actively monitors each file, identifies potential issues early, and develops solutions that keep deals moving forward.
My philosophy is simple: reliability means being available when you need me, transparent about what's happening, and solution-oriented when challenges arise. I treat every transaction as a reflection of both our reputations. You deserve a lending partner who understands that your success is our success, and I deliver on that promise with systems built specifically to support agent-lender collaboration.
The Buyer Journey at a Glance
Pre-Approval
Setting financial foundations and realistic expectations
Home Search
Real-time support for confident offers
Under Contract
Managing underwriting and appraisal smoothly
Closing
Final coordination and celebration
Emotional Journey
Buyers experience excitement, anxiety, anticipation, and relief throughout the process. Each milestone triggers different emotions that require careful guidance and reassurance from their trusted advisors.
Financial Milestones
From initial credit review through final funding, buyers navigate documentation requirements, qualification verification, appraisal outcomes, and condition clearance. Each step builds toward homeownership.
Partnership Points
Agents and lenders collaborate most intensively during pre-approval, offer preparation, contract negotiation, and closing coordination. Strategic communication at these touchpoints ensures seamless outcomes.
Step 1: Building Strong Pre-Approvals
1
Documentation Made Simple
I've streamlined the pre-approval process to set your buyers up for success from day one. Our comprehensive checklist covers income verification, asset documentation, credit review, and employment confirmation—all organized through a secure digital portal that buyers can access 24/7.
Within 24-48 hours of receiving complete documentation, I deliver a thorough pre-approval letter that stands up to scrutiny. I don't just verify current finances; I review the complete picture to identify potential issues before you start showing homes.
2
Setting Realistic Expectations
Strong pre-approvals create confident showings. I take time to educate buyers about their purchasing power, monthly payment realities, closing cost expectations, and reserve requirements. This foundation means your showings focus on homes they can actually afford and successfully close on.
I also discuss scenario planning—what happens if rates change, if they find a home above budget, or if repairs are needed. This proactive approach prevents surprise disappointments and strengthens your position when negotiating offers.
Initial Consultation
Financial review and goal setting
Documentation Upload
Secure portal submission
Credit & Income Review
Comprehensive analysis
Approval Letter Issued
Full buying power confirmed
Agent Strategy Call
Partnership alignment
The Pre-Approval Experience
My pre-approval process is designed for clarity, efficiency, and a significant advantage in competitive markets. It sets a strong financial foundation for our clients, preparing them confidently for their home search.
When a buyer submits their application, I conduct a complete credit and documentation review. There is an upfront charge for credit report start $97+ depending on if it is a single or joint report . This transparency is important, as I do have some lenders that offer free credit pulls with limitations. I can only use their credit report within their system. My approach offers a distinct advantage for buyers by providing more flexibility and protecting their credit health.
Operating as a broker, the paid credit report gives buyers a stronger position. It allows me to shop multiple lenders without re-pulling credit, avoiding additional inquiries and securing the best possible terms. I re-issue the existing report, streamlining the process and protecting your client's credit score.
Following this review, I create a personalized video presentation. This video meticulously breaks down the itemized fee sheet, out-of-pocket expenses, down payment assistance options, and overall financial readiness. Clients can review it at their convenience, ensuring our subsequent clarity call is highly focused and productive. You, as the agent, are co-branded in the presentation and receive all communications, ensuring seamless alignment.
Strategic Partnership Touchpoints
1
Initial Client Introduction
Within 24 hours: Introduction call, pre-approval timeline, documentation checklist delivery
2
Pre-Approval Complete
24-48 after all documentation received: Buying power discussion, agent strategy call
3
Under Contract
Day 1: Contract acceptance call, timeline confirmation, team introductions
4
File is sent to Processing
Initial loan disclosures generated and sent, file scrubbed, needs list sent by processor
5
File is sent to Underwriting
Underwriter review begins, initial conditions identified, and appraisal is ordered if not already done by processor.
6
Appraisal Ordered
Within 48 hours: Confirmation, timeline expectations, proactive gap planning
7
Underwriting Milestones
Every 3-5 days: Condition status, documentation updates, clearance progress
8
Clear to Close
Goal is 48-72 hours before closing: Final confirmation, wire instructions, coordination details
Our communication cadence is designed to keep you informed without overwhelming your inbox. You'll receive milestone texts for immediate updates, detailed email summaries for documentation, and proactive phone calls when strategy discussions are needed. I understand that agents juggle multiple transactions, so our system flags the information you need most—right when you need it—while keeping comprehensive records available whenever you want deeper details.
When a Buyer Isn't Ready Yet
Not every buyer is ready on day one — and that’s okay. When credit or financial hurdles appear, I shift into coaching mode, assessing their full financial picture to identify barriers and create a step-by-step action plan for readiness.
Compassionate Guidance
Supporting clients through financial challenges with empathy and clear direction, turning initial setbacks into achievable goals.
Customized Action Plan
Tailored strategies for credit improvement, debt optimization, and financial stability, designed to get them mortgage-ready.
Clear Timeline to Readiness
Providing realistic expectations and progress updates, ensuring you know exactly when your client will be ready to re-enter the market.
My goal is to turn a "not yet" into a future closing. I keep you fully informed of their progress, so your clients re-enter the home search process confident and prepared, strengthening your long-term relationship with them.
Step 2: Empowering Your Home Search
Real-Time Qualification Checks
When your buyers find "the one," timing matters. I provide same-day qualification reviews for properties above their initial budget, alternative financing scenarios, and quick pre-approval updates when circumstances change. My rapid response ensures you can write competitive offers with confidence.
Accurate Payment Estimates
Buyers need to visualize their financial future. I provide detailed payment breakdowns including principal, interest, taxes, insurance, and HOA fees for any property they're considering. These estimates include current rate scenarios and help buyers understand the true cost of homeownership beyond the purchase price.
Strategic Scenario Planning
Market conditions require flexibility. I help you explore multiple offer strategies—conventional vs. FHA, different down payment structures, rate buy-down options, and seller concession scenarios. This planning equips you to craft competitive offers that protect your clients while maximizing their chances of acceptance.
My home search support goes beyond basic pre-approval letters. I become strategic partners in your offer negotiations, providing the financial intelligence you need to position your clients competitively. Whether you're in a multiple-offer situation or negotiating repairs, I'm available to discuss how financing options can strengthen your negotiation position and protect your clients' interests throughout the home search process.
Let's Help More Buyers Win—Together
Your Success Is My Mission
Exceptional real estate agents deserve exceptional lending partners. I've built my entire process around one goal: making you look great while delivering extraordinary experiences for your clients.
When you partner with me, you gain more than a lender, you gain a strategic ally committed to your success, your reputation, and your business growth.
Ready to Get Started?
I'd love to discuss how our partnership approach can support your business. Whether you're looking to streamline your current lending relationships or seeking a more collaborative partner, I'm here to help.
24hr
Response Time
Maximum turnaround for questions
98%
On-Time Closings
Transactions close as scheduled
24+
Years Experience
01
Schedule a Partnership Call
45-minute introduction to discuss your needs
02
Access Co-Branded Tools
Marketing materials customized for your business
03
Submit Your First Client
Experience the difference firsthand
This is not an offer to enter into an agreement. This is not a commitment to make a loan. Not all customers will qualify. Information, rates and programs are subject to change without prior notice. All products are subject to credit and property approval. All approvals are subject to underwriting guidelines.
DAMORIS WILLIAMS
MORTGAGE LOAN ORIGINATOR, NMLS# 149521
DAMORISWILLIAMS@NEXAMORTGAGE.COM
470-526-4988
DAMORIS WILLIAMS
MORTGAGE LOAN ORIGINATOR, NMLS# 149521
DAMORISWILLIAMS@NEXAMORTGAGE.COM
470-526-4988
©2025 NEXA Lending LLC. Lic.#AZMB - 0944059 / NMLS#1660690 | 5559 S. Sossaman Rd. Bldg. 1 #101, Mesa, AZ 85212
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NMLS Consumer Access Link click here
