DreamLux originates purchase, refinance, and investor loans statewide in both Missouri and Kansas. Most of our clients are in Mid-Missouri, Kansas City, St. Louis, the Lake of the Ozarks, and the Johnson County suburbs, and we lend in every other city and county in both states. Priced across wholesale lenders instead of one bank’s rate sheet. Licensed in Missouri and Kansas. Soft credit check only until you say go.
Compare your current loan to a new scenario, see the break-even point, and what it means over the life of the loan. No login, no credit pull.
Enter a new interest rate to compare scenarios. I'm happy to send you a real quote to plug in.
I reply personally with a comparison for your exact scenario, including taxes, insurance, and real closing costs. Takes 20 seconds. No credit pull.
This calculator is for education only. It is not a loan offer, a commitment to lend, or legal or tax advice. Results are estimates based on the numbers you enter and assume a fixed rate and on-time payments. Payments shown are principal and interest only and do not include taxes, homeowners insurance, HOA dues, mortgage insurance, escrow setup, prepaid interest, payoff interest, lender credits, or all possible closing costs. Your actual rate, payment, costs, and terms depend on a full application, credit approval, property review, program guidelines, and market conditions.
Zach Brown | NMLS #2156538 | DreamLux Home Loans, a DBA of NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender | Licensed in Missouri & Kansas
A bank can only offer its own products at its own price. A wholesale broker compares lenders against each other on the same file, which matters most when your situation is not plain vanilla: self-employed income, a second home, an investment property, a jumbo amount, or a credit profile one lender prices harder than another. Zach Brown shops FHA, VA, USDA, conventional, jumbo, physician, construction, DSCR, HELOC, and down payment assistance options for buyers, homeowners, and investors statewide in Missouri and Kansas.
One bank quote does not show you the full market. DreamLux Home Loans helps eligible borrowers compare loan options across programs, property types, and goals, whether you are buying your first home, moving up, refinancing, building, investing, using a physician loan, reviewing a Loan Estimate, or comparing down payment assistance. Zach Brown helps you understand the numbers before you decide.
Compare conventional, FHA, VA, USDA, jumbo, physician, construction, and low-down-payment options for Missouri and Kansas buyers.
Explore purchase optionsReview rate-and-term refinance, cash-out refinance, HELOC, debt consolidation, and payment-structure options.
Review refinance optionsExplore DSCR, bank statement, Non-QM, investment property, bridge, and fix-and-flip options for eligible borrowers.
Explore investor loansAlready shopping lenders? Send your Loan Estimate for a second-opinion comparison of fees, points, credits, and total structure.
Get a second opinionQuick links to the most requested DreamLux Home Loans programs and mortgage review options.
DreamLux Home Loans is a wholesale mortgage broker, a DBA of NEXA Lending, LLC. Zach Brown shops each loan across the lenders NEXA is approved with and the borrower chooses the lender that funds it. DreamLux is not a bank and does not service loans.
Broker compensation is paid either by the lender through the rate or by the borrower at closing, never both, and it is disclosed on the Loan Estimate before you commit. There is no fee to get pre-qualified, compare options, or use the calculators on this site.
DreamLux originates statewide in both Missouri and Kansas, so any city or county in either state qualifies. Most clients are in Columbia, Jefferson City, Ashland, the Lake of the Ozarks, the Kansas City metro, the St. Louis metro, and the Kansas suburbs of Olathe, Overland Park, Lenexa, and Shawnee.
Start the online application, answer a few questions in plain language, and authorize a soft credit check. Zach reviews income, assets, and credit, runs the file through Fannie Mae or Freddie Mac automated underwriting, and issues a pre-approval letter you can submit with an offer.
Yes. DreamLux offers DSCR loans that qualify on the property's rental income instead of your tax returns, plus conventional investor loans, bank statement programs, and cash-out refinances on rental property in both states.
No. Pre-qualification uses a soft credit check that does not affect your score. A hard inquiry happens only when you choose a lender and lock a rate, and you decide when that is.
Call or text Zach Brown at 573-301-4422, or start online to review your purchase, refinance, home equity, physician loan, investor loan, or down payment assistance options. Check your numbers before you shop.
NMLS #2156538 | DreamLux Home Loans, a DBA of NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender | Licensed Missouri & Kansas. Mortgage program availability, rates, fees, terms, and approval depend on borrower qualifications, property details, lender guidelines, market conditions, and applicable law. Not a commitment to lend.
Your Mid-Missouri Team
Tell me about the loan by call, text, or the application link. I run a soft credit check, shop your file across wholesale lenders, and get you pre-approved through DU or LPA so your offer carries weight. Shelby finds the house and writes the offer. Two specialists on one transaction, and you can reach either of us directly.
Finance the Home
Senior Mortgage Loan Officer & CEO
DreamLux Home Loans · NMLS #2156538 · Licensed in MO & KS
Prices your file across 280+ wholesale lenders instead of one lender's sheet, then structures it around how your income and assets actually look. When your offer is up against cash, what wins is a pre-approval that holds and a close that lands on the date.
See what you pre-qualify forNot ready to apply? Book a 15-minute call
Find the Home
Licensed Missouri Real Estate Agent
Sean Moore & Associates, RE/MAX Boone Realty
Runs the comps, tours the homes, and writes the offer across Columbia, Ashland and Boone County. She works the Sean Moore & Associates book at RE/MAX Boone Realty, so she is in Boone County inventory daily, not occasionally.
Start My Home SearchHave a question first? Call Shelby directly
Zach Brown | NMLS #2156538 | DreamLux Home Loans, a DBA of NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender | Licensed in Missouri & Kansas
DreamLux Home Loans and Sean Moore & Associates are separate companies. Neither is required in order to use the other, and you are free to shop for the services and rates that fit you best. Not a commitment to lend. All loans subject to credit approval, income and asset verification, appraisal, and program guidelines. Verify licensing at NMLS Consumer Access.
Complimentary Resources
Payment calculators, a loan estimate comparison, the refinance calculator, and the home search are free and do not require an application. Use them, then bring me the numbers.
Search live MLS listings across Missouri and Kansas. Save searches and get alerts the moment a home hits your price range.
Find out what your budget looks like in your target market, with no credit pull required.
Estimate your monthly payment in any Missouri or Kansas market before you shop.
Already shopping? Send us your Loan Estimate and we'll compare it line by line against options from 280+ wholesale lenders.
Compare your current loan against today's options and see your break-even timeline.
See real-time wholesale pricing for your scenario. No SSN, no credit pull.
FHA, USDA, and assistance programs built for Missouri and Kansas first-time buyers.
Explore Missouri and Kansas grant programs that may cover your down payment.
Find out what your home is worth in today's market. No obligation.
Buying or selling without an agent? Get financing support built for FSBO deals in Missouri and Kansas.
Columbia, Jeff City, Lake of the Ozarks, KC Metro, St. Louis, and the Kansas suburbs.
Explore all 34+ DreamLux programs: FHA, VA, USDA, conventional, jumbo, physician, DSCR and more.
Complimentary for Missouri & Kansas buyers · Zach Brown, NMLS #2156538
Available in Columbia
Zach Brown, Senior Mortgage Loan Officer (NMLS #2156538)
Zach Brown provides direct wholesale rate locks without broker markups or unnecessary lender fees. Verify your scenario below to view full details.
Conventional, FHA, VA, USDA, jumbo, DSCR investor, bank statement, construction, and refinance programs are all available through DreamLux in both states. Each program page covers requirements, where it fits, and who it does not fit.
A wholesale mortgage broker shops your loan across many lenders and brings back the one that fits your credit, down payment, and timeline. DreamLux Home Loans is a wholesale broker, not a bank, so the lender competes for your file instead of you competing for theirs. You work with one person, Zach Brown, from first call to closing.
Live AI Home Search, Missouri & Kansas
Create a free account below and you get a private, AI-powered home search across Missouri and Kansas. Save homes, set alerts, and when you find the one, I already know your budget and the financing is ready to go.
Already working with me?
Sign in to your Home Portfolio for your home's value and equity, refinance savings at today's rates, mortgage and DSCR rental income calculators, live market reports for your area, and CMA and AVM reports on any listing. Don't have one yet? Call or text me and I'll send your invite.
Zach Brown | NMLS #2156538 | DreamLux Home Loans, a DBA of NEXA Lending, LLC | NMLS #1660690 | Equal Housing Lender | Licensed in Missouri & Kansas. Home search provided through Broker Marketplace. Creating an account is not a loan application and does not affect your credit.
About
I'm Zach Brown, NMLS #2156538, Senior Mortgage Loan Officer and the founder of DreamLux Home Loans. I started in mortgage at Veterans United, then built DreamLux from scratch as a wholesale brokerage so my clients' loans get shopped instead of sold. Before lending I spent a decade in exercise physiology and sports nutrition, which is why I still treat every file like a program: assess, plan, execute, adjust.
I live and work in Mid-Missouri and lend statewide across both Missouri and Kansas, from the Lake to the Kansas suburbs and everywhere in between. If you call the number on this page, I'm the one who answers.
Call or text (573) 301-4422
Buying, refinancing, or already reviewing a Loan Estimate? Compare fees, points, credits, closing costs, payment structure, and available mortgage options before choosing a lender.
DreamLux Home Loans helps homebuyers, homeowners, and real estate investors compare high-intent mortgage options across Missouri and Kansas.
Need a second opinion or a quick pre-approval review? Zach Brown NMLS #2156538 helps Missouri and Kansas borrowers compare loan options, costs, qualification paths, and next steps.
Mortgage program availability, rates, fees, terms, and approval depend on borrower qualifications, property details, lender guidelines, market conditions, and applicable law.
Mortgage broker near me
DreamLux Home Loans helps buyers compare mortgage options statewide across Missouri and Kansas for purchases, refinances, first-time buyer scenarios, FHA, VA, USDA, jumbo, physician, construction, DSCR, HELOC, and down payment assistance strategies. Instead of relying on one retail bank option, you can compare programs through NEXA Lending's broad lender network with Zach Brown, NMLS #2156538.
Official entity reference
Review official details for DreamLux Home Loans, Zach Brown NMLS #2156538, NEXA Lending, Missouri and Kansas mortgage services, loan programs, service areas, and contact information.
