Steve Hays & the NSH Mortgage team has helped thousands of people get quickly and easily approved for mortgages for over 25 years! He is eager to help you get approved for the lowest rate possible, no matter your situation. He works closely with his clients to ensure a stress-free, comfortable experience that leaves everyone happy!
He has extensive experience in helping clients with low credit scores get approved quickly and for a low rate. From helping those with low credit scores, to getting clients pre-approved for jumbo loans, Steve ensures every client is treated with the attention and the professionalism they deserve. Not only is Steve extremely knowledgeable, he is reliable, personable and has his clients best interests at heart.
He has extensive experience in helping clients with low credit scores get approved quickly and for a low rate. From helping those with low credit scores, to getting clients pre-approved for jumbo loans, Steve ensures every client is treated with the attention and the professionalism they deserve. Not only is Steve extremely knowledgeable, he is reliable, personable and has his clients best interests at heart.
Services
Have you checked today's interest rates? Are you eligible for a refinance in Florida? Our team will review and execute your refinance at the correct time, which can in turn save you thousands. Looking for a low down payment home loan? An FHA Loan in Florida, allows home buyers a loan option with a down payment as low as 3.5%, government-backed, and easy to refinance.
NSH Mortgage is the leading home loan specialist in Florida! Steve Hays and his team have over 25 years of experience, and have obtained home loans and approvals for thousands of clients. NSH Mortgage focuses on each individual client, to make sure that they get approved fast, with the lowest mortgage rate, and for the best home loan that fits their needs in Florida!
Your minimum required investment on an FHA Loan in Florida is 3.5% of the purchase price of the property. The payment must come from your own funds or from an acceptable gift. A credit report is mandatory with a score of at least 620 for an FHA Loan in Florida. Depending on your credit, sometimes borrowers may qualify with lower scores such as 580.
NSH Mortgage is the leading VA Loan specialist in Florida! Steve Hays and the team at NSH Mortgage has over 25 years of experience, and has obtained VA Loan and approvals for thousands of clients. NSH Mortgage focuses on each individual client, to make sure that they get approved fast, with the lowest mortgage rate, and for the best home loan that fits their needs in the state of Florida!
When current mortgage rates are down, it is a good time to refinance your home. The average home in Florida is able to save more than 35 percent, by using a rate-and-term refinance. The meaning of that is for every $1000 you pay your Florida mortgage broker today, you will save $350 per month. That could add up to $42,000 saved over the next 10 years.
Reviews (15)
Roger Jordan
Oct 04, 2021
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I cannot say enough nor ever be able to thank Steve for his help! as he told me all you need is a path! I will always go to NSH for my mortgage needs! Steve should get 1000 stars for his efforts and success with my situation! Thanks Steve... Char and I appreciate all you have done for us! We close on our forever home tomorrow!
Perkinz Munoz
Nov 26, 2020
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I'm more than thankful with Steve Hays . I'm a First Time Home Buyer and he helped me through all the process answering all the questions that I had and he had all the documentation in order with professionalism, if whoever is looking for a trustworthy person that really knows what he's doing, well he's the man. // Estoy más que agradecido con… Steve Hays. Soy un comprador de vivienda por primera vez y él me ayudó durante todo el proceso respondiendo todas las preguntas que tenía y tenía toda la documentación en regla con profesionalismo. Si alguien
Phil Smith
Jul 11, 2020
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Second time around on a re-finance with Steve. Excellent experience! If peace of mind in knowing that business will be conducted in an outstanding and ethical manner is important to you, then NSH mortgage and Steve is the right choice! Thank you Steve! Handled any and all challenges that came our way and got this done. A+++++
Emily Harszy
Jul 05, 2020
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Steve Hays at NSH was the most helpful person in our entire home buying process. His levels of knowledge and experience are obvious. He was always eager to answer all of our questions and always got back to us super quickly! He was able to offer amazing advice and answer questions that our realtor couldn’t. He was recommended to us by my parents and we will definitely be sending others his way.
Robert Smith
Apr 10, 2020
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Alpa Patel
Dec 20, 2019
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Mark Stone
Nov 25, 2019
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Steve handled the mortgage for our recent home purchase in Homosassa. Everything went smoothly in spite of the fact that I am self-employed and required a lot of additional documentation. Steve's follow up is excellent! We have used him at Greenbriar Real Estate on multiple occasions and he has always come through for us. We highly recommend Steve for all of your mortgage related needs!
Louis Jean-Baptiste
Jul 26, 2019
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Mr. Hays is amazing, quite simply put "he's the best in the business". Mr. Hays can help the first time buyer and teach the experienced investor. I 100% recommend Mr. Hays. His closing time is the best in the industry, his communication is second to none. I am grateful, my family is grateful, my village is grateful for Mr. Hays.
Phil Smith
Sep 11, 2018
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I was in a high interest rate jumbo loan at 6.5%. I contacted NSH and they were able to put me in a VA loan at 4.125%. Steve was extremely professional, and it was clear he was very knowledgeable. He went above and beyond to get the loan completed, and I am very appreciative of his efforts! My experience working with Steve was top notch! I highly recommend NSH mortgage
Julie H.
Jul 29, 2018
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NSH Mortgage is top-notch. Being a new home buyer, I was unsure of the process and Steve was friendly and helpful every step of the way. The paperwork was easy to manage and the response time from NSH was almost immediate. During a stressful time of buying a new house, I was comforted to know that I was in knowledgeable hands. With the ease of doing business, the superior customer service, and the professional expertise, I'd recommend NSH Mortgage to anybody needing a home loan.
Steve Burnette
Jul 20, 2018
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I have used NSH Mortgage 3 times over the past eight years. Steve is always extremely professional and always goes the extra mile to ensure that our experience is nothing short of amazing. I have referred several friends and Family members who have all thanked me for introducing them to Steve. I am a customer for life. Thank you Steve!!! Keep up the Great Work!!
Frank McCafferty
Apr 06, 2018
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Betsy Hardy
Aug 27, 2017
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Steve and his team are friendly and helpful. After shopping around I am thankful we found Steve. He was upfront and honest. Explained the whole process. Always available if we had any questions. He is thorough and a pleasure to work with. I will send anyone I know looking to refinance or buy a home to Steve.
Thanks Steve.
Thanks Steve.
Bruce M. Mizener
Aug 22, 2017
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Austin Gustin-Helms
Apr 20, 2017
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