Every Loan.
Every Borrower.
Done Right.

VA specialists by reputation. Full-service lenders by design. Whether you're a first-time buyer, a veteran using your benefit, or an investor building a portfolio — we have the loan and the expertise to close it.

VA Loans FHA Conventional USDA Jumbo Investment Renovation Non-QM
Start Your Pre-Approval See All Loan Types
Top 5
VA LO at NEXA
46
5-Star Reviews
50
States — Licensing Coming Soon
Loan Programs

Every Type of Home Loan.
One Team.

We're a full-service mortgage broker powered by NEXA Lending — the largest mortgage broker in the country. That means we shop your loan across dozens of lenders to find the best rate and terms, regardless of loan type.

🎖️
VA Loans
Our Specialty · Military Families

Zero down payment, no PMI, competitive rates, and a team that understands the VA guidelines from personal experience. PCS moves, prior VA use, BAH coverage, COE — we handle every detail.

★ Our Specialty
🏡
FHA Loans
Low Down · Flexible Credit

3.5% down payment with more flexible credit guidelines. Great for first-time buyers building credit history or those who want to preserve cash while getting into a home.

3.5% Down
📄
Conventional Loans
Flexible · No Upfront Fee

Down payments from 3–20% with no funding fee. Strong credit profiles can often get outstanding rates. We run the numbers against VA and FHA so you always know you're in the right loan.

From 3% Down
🌾
USDA Loans
Rural & Suburban · Zero Down

Zero down payment for eligible rural and suburban properties. Enterprise and the Wiregrass region have significant USDA-eligible areas. If you're not sure you qualify, let's check — you might be surprised.

/bin/sh Down
🏙️
Jumbo Loans
High-Value Properties

Loan amounts above conforming limits for higher-value properties. We work with multiple jumbo lenders to find competitive rates on the homes that standard loan limits don't cover.

Above Conforming Limits
🔧
Renovation Loans
Buy & Improve · One Loan

Finance the purchase and renovation of a property in a single loan. FHA 203k and conventional renovation products let you turn a fixer into your dream home without juggling two loans.

FHA 203k · HomeStyle
📈
Investment Property
Build Your Portfolio

DSCR loans, conventional investment products, and portfolio options for buyers building rental income. We help military families do what Scott did — use real estate as a wealth-building tool.

DSCR · Conventional
📋
Non-QM & Bank Statement
Self-Employed · Complex Income

W-2 doesn't tell your whole story? Bank statement loans, asset-depletion programs, and non-traditional income documentation options for business owners, contractors, and self-employed borrowers.

Self-Employed Friendly
Why Flight Mortgage Team

The Broker Advantage.
Every Time.

As a mortgage broker powered by NEXA Lending, we're not locked into one lender's rates. We shop your loan across the market — which means you get the best product for your situation, not the best product on one bank's shelf.

🏦
We Shop Dozens of Lenders

Access to wholesale rates from dozens of lenders on every loan type. You get the best rate available on the market — not just what one institution offers.

⚡
Fast Pre-Approvals

We move at military speed. Pre-approvals issued fast, friction points identified upfront, and nothing surprises you days before closing.

📞
Responsive. Always.

Text, call, or email — you get a real response from a real person. Not a chatbot. Not a call center. Scott and his team, every time.

🌐
All 50 States

Based in Enterprise, AL and serving military families wherever orders take them. The Flight Mortgage Team operates nationwide through NEXA Lending.

📊
Transparent. Always.

You see the numbers before you sign anything. Rate, fees, closing costs — nothing hidden, nothing buried in fine print. We run it side by side until you're completely comfortable.

By the Numbers
46
Five-Star Google Reviews
All five stars. Real military families describing the actual experience — not generic praise.
Top 5
VA LO at NEXA Lending
Two consecutive years among the top 5 VA loan officers at the largest mortgage broker in the country — 3,500+ LOs nationwide.
50
States — Coming Soon
Building licensed coverage nationwide through NEXA Lending. Wherever your buyers are going, we're getting ready to close.
The Team

Built By People Who
Understand the Mission.

Flight Mortgage Team is built around one idea — people who understand discipline, service, and getting the job done are the best people to guide families through the biggest financial decision of their lives. We're not all veterans, but the team is deeply connected to the military community we serve, and we bring that same standard and commitment to every file we touch.

Connected
Deeply rooted in the military community we serve
46
Five-star Google reviews from real borrowers
50
States — licensing coverage coming soon
Scott Jeffreys
Scott Jeffreys
Team Lead · NMLS #2312911
Scott Jeffreys in a UH-60 Black Hawk cockpit
Military Background
Army Captain · UH-60 Black Hawk Pilot
Multiple PCS moves · Fort Rucker Market
Track Record
Top 5 VA LO at NEXA · 2 Years Running
Reviews
46 reviews · All five stars ★★★★★
Why Mortgages
Used the VA loan benefit across multiple PCS moves to build a real estate portfolio while still on active duty. Went directly from the Army into VA loan origination — not from banking, from service.
✈️
New Team Member
A new loan officer joining the Flight Mortgage Team. Introduction coming soon.

Built Different. On Purpose.

Flight Mortgage Team wasn't built by bankers who stumbled into the military market. It was built by people who went from service and PCS moves directly into mortgage origination — because they had seen firsthand how poorly most lenders served military families when it mattered most.

Not every member of this team wore a uniform — but every member is deeply connected to the military community we serve, whether through family, prior service, or years spent working alongside it. Our team lead used the VA loan benefit personally across multiple PCS moves and knows BAH coverage, entitlement, COE, and PCS timelines from navigating them firsthand. When we say the VA loan is the most powerful financial tool available to military families, that's not theory — it's lived experience passed through the whole team.

And for the clients who aren't military — the same standard applies. Competitive rates, transparent numbers, proactive communication, and a team that treats every file like the only file. That's not a pitch. That's how we were trained to operate.

★★★★★
"Scott walked us through every step of our PCS move. He knew the VA process cold and had our pre-approval done faster than anyone else we talked to."
Verified Military Buyer · Google Review
★★★★★
"Former military himself — he actually understands what PCS stress feels like. We closed on time, no surprises. Would not use anyone else."
Verified Military Buyer · Google Review
Read All 46 Reviews →
Realtor Partnerships · Enterprise & Fort Rucker

The Wiregrass's
Go-To Lending Team.

We're building strong relationships with the best realtors in Enterprise and the Fort Rucker market. If you work with military buyers — or any buyers — we should be talking.

⚡
We Close. On Time.

Every file gets proactive status updates. Your clients' closing dates are treated like mission objectives — we don't miss them.

📞
You Can Actually Reach Us

Text, call, or email. You get a real response. Military buyers have tight timelines and zero patience for a lender who goes dark — and neither do we.

🎖️
VA Expertise Nobody Else Has Here

Entitlement, BAH coverage, COE, prior VA use — handled upfront. No surprises two days before closing because we caught every issue at application.

🌐
We Follow Your Clients Wherever They Go

When your military client gets orders and leaves Enterprise, we go with them nationwide. Refer them to Flight Mortgage wherever they land and we'll take care of them.

🤝
Co-Marketing & Partnership Opportunities

Co-branded content, open house support, social media collaboration — we invest in the realtors we work with. This is a real partnership, not just a referral.

💼
Full Loan Menu for Every Buyer

VA, FHA, Conventional, USDA, Jumbo, Investment — we handle every buyer you send us, not just VA-eligible clients. One lending relationship covers your entire business.

Let's Connect

Have a client who needs a pre-approval today or want to talk partnership? Scott will reach out personally.

✓ Sent — Scott will reach out shortly.
📞 334-494-0784 ✉️ sjeffreys@nexalending.com 📅 Schedule a call on Calendly
Ready to Move?

Get Pre-Approved
Before You Pack a Box.

Free, fast, and no obligation. Know exactly what you can buy before you start looking — and walk into any market as a serious, pre-approved buyer.

Schedule a Call with Scott Call 334-494-0784