Tyson Marino, Senior Loan Officer · NMLS# 2810266 · Amy Marino, BDM · USCG Veteran · Real Estate Investors · NEXA Lending
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"If I can teach a 10-year-old to block and tackle, I can help you buy a home, build one, or invest in real estate — no matter where you're starting from." — Tyson Marino · Senior Loan Officer · NEXA Lending · NMLS# 2810266

I'm not your average loan officer. I'm a coach and a U.S. Coast Guard veteran — and we're active real estate investors across single family, multi-family, mobile home parks, flipping, and house hacking. We've done it, we're doing it, and we'll show you exactly how to do it too. We're on your team from day one.

Get Pre-Qualified → Book a Free Call Are You a Realtor or Agent? →
Your Coaches
Tyson & Amy Marino
Tyson & Amy Marino
Tyson · Senior Loan Officer · NMLS# 2810266
Amy · BDM & Marketing Director
NEXA Lending
🏈
Youth Football · Basketball · Soccer Coaches
🏠
DPA Programs · Construction Loans · Investment
🏘️
SFR · Multi-Family · MHP · Flipping · House Hacking
✝️
Faith-driven · Family-first · Community-rooted
📋
NMLS# 2810266 · Equal Housing Lender
$0
Down Payment Options Available
300+
Lenders to Choose From
48
States + DC, Guam, PR & USVI
FREE
Consultation — No Obligation
Find Your Lane

One Question.
Your Whole Game Plan.

When you think about buying a home — which sounds most like you?

🏡
I Need a Great Home for My Family
We'll help you buy smart and build equity from day one.
🔑
I Want My Home to Work for Me While I Live In It
We'll show you how your first home can help fund the next one.
📈
I Want to Build a Portfolio — Real Estate Is My Vehicle
We'll map your investment sequence and financing strategy.
Lane 1 — The Family Buyer

Buy Smart.
Build Equity.

Most buyers focus on square footage and school districts. A coach helps you see what they don't — the features that build equity, the neighborhoods with real upside, and the decisions that pay you back for years.

"You're already making one of the biggest financial decisions of your life. Let's make sure you make it with all the information — not just the emotional checklist."
  • What to look for that most buyers miss — value-add features that add equity
  • DPA programs that may eliminate your down payment entirely
  • FHA, VA, USDA, and Conventional — which fits your situation
  • A Pre-Qualification that actually holds up when you make an offer
Free Resource for You
🏡 Home Buyer Checklist
Everything you need to know before you start shopping — what to look for, what to avoid, and what most buyers find out too late.
Free Resource for You
📋 Value-Add Checklist
The features that quietly build wealth — pool potential, ADU lots, bedroom count, location signals. See what a coach sees.
📞 Book a Free Strategy Call

15 minutes · No pressure · Real conversation

Lane 2 — The Strategic Buyer

Your First Home
Funds the Next.

House hacking, ADUs, multi-unit, short-term rental — these aren't complicated strategies. They're decisions you make before you shop. The buyers who make them early retire their mortgage faster and buy their second property sooner. Most find out too late.

"Your first home can help pay for itself — and position you to buy the next one. Let's build that plan before you start shopping."
  • Owner-occupied multi-unit financing — better rates, lower down than investment property
  • How a house hack could cover most or all of your mortgage payment
  • What ADU-ready lots look like — and why they matter at purchase
  • Why buying with investment in mind first is cheaper than buying it second
Free Resource for You
🔑 Investment Property Roadmap
From first home to first investment property — the sequence, the products, and the decisions that set you up to build a portfolio.
Free Resource for You
📋 Value-Add Checklist
What to look for that makes a home work harder — rental potential, ADU lots, multi-unit signals. See it before you shop.
📞 Book a Free Strategy Call

15 minutes · We'll build your specific plan

Lane 3 — The Investor

The Sequence
Nobody Tells You.

If you buy investment property first — before a primary residence — you carry less personal debt, qualify easier, and access cheaper financing. Most investors find that out after they've already bought the hard way. You don't have to.

"You already think like an investor. Let's make sure your financing strategy matches your vision — and that you're not leaving easier money on the table by buying in the wrong order."
  • DSCR loans — qualify on the property's cash flow, not your personal income
  • LLC ownership and how it works with investment financing
  • Why buying investment first is often smarter than buying primary first
  • 4-plex as your first home — owner-occupied rates, house hack the whole thing
Free Resource for You
📈 Investment Property Roadmap
DSCR, LLC ownership, portfolio sequencing — the full investor financing guide built for people who think like you do.
Free Resource for You
💰 Value-Add Checklist
What separates a good deal from a great one — the features that add forced appreciation and cash flow from day one.
📞 Book an Investor Strategy Call

30 minutes · Peer-to-peer · Built for your goals

Who We Coach

Every Yard Line.
We've Got You.

Whether you're just learning the playbook or you're ready to run the ball — we meet you where you are and coach you to the end zone.

🏡
First-Time Buyers

You've never done this before. Neither had our players on day one. We break down every step — from credit to closing — so nothing catches you off guard.

DPA Programs Low Down Payment Mortgage Readiness FHA Loans
🏗️
Dream Builders

Why buy someone else's home when you can build your own? From custom homes to ranches and land, we have one-time close construction loans that make building simple.

One-Time Close Construction Loans Ranch & Land New Build
📈
Real Estate Investors

Ready to turn real estate into a business? Investment properties, flips, rental portfolios — we understand the investor game and have the products to match.

Investment Property DSCR Loans Fix & Flip Portfolio Loans
💼
Real Estate Entrepreneurs

Want to get into the real estate business without buying property yet? We'll teach you wholesaling, bird-dogging, and how to build a business around real estate.

Wholesale Bird Dog Flipping Creative Finance
🤝
BDM Partners

Your expertise + our loans = a stronger business. Bring more to the table for your clients — and add a new income stream without adding workload. Simply add us to your existing marketing.

BDM Program Realtors BDM Income NEXA Network
🔑
Not Quite Ready Yet

Your situation today doesn't have to be your situation at closing. We'll give you a real game plan to understand where you stand and get mortgage-ready — even if it takes 6 months.

Mortgage Readiness 6–12 Month Plan Mortgage Readiness Free Review
The Game Plan

4 Steps to Your Home.

Every great play starts with a clear playbook. Here's ours — and yours.

01
Book a Free Strategy Call

15 minutes with Tyson. We review your credit, income, and goals together. No pressure, no pitch — just a real conversation and a clear picture of exactly where you stand.

02
Get Your Playbook

We personally walk you through our proven 10-step pre-qualification process — line by line — so your application is complete, accurate, and underwriter-ready from day one. No surprises.

03
Get Pre-Qualified

We fill out your application together over the phone — question by question. We then help you find and evaluate the right realtor using real transaction data. You go into every step informed and confident.

04
Cross the Goal Line

We coach you through every yard — offer, appraisal, underwriting, closing. There's more to home buying than Zillow — foreclosures, short sales, FSBO, off-market. We guide you through every option. When you get your keys, that's the touchdown.

Loan Programs

We Have a Play
For Every Situation.

NEXA Lending is the largest mortgage broker in the United States — working with 300+ lenders and thousands of loan products. Not just one bank's limited menu. Whatever your situation, we have a play for it.

💰
Down Payment Assistance (DPA)

Many buyers qualify for grants and assistance programs that cover your down payment — and don't need to be repaid. Most people don't know these exist. We'll find every dollar available to you.

🏗️
One-Time Close Construction

Build your home with one loan, one closing, one set of costs. Covers the construction phase and converts automatically to your permanent mortgage when the home is complete. Ranch builds, barndominiums, custom homes, land packages — we do it all.

🏡
FHA, VA & USDA Loans

Government-backed programs with low down payments, competitive rates, and flexible credit requirements. If you've served our country, VA loans offer zero down payment options.

🌾
Ranch, Land & Rural Builds

Want acreage? A barn? A custom ranch property? We specialize in rural and agricultural financing that most lenders don't offer. Your dream property is closer than you think.

📈
Investment & Rental Property

From your first rental to a growing portfolio — we've been there as active investors ourselves. As active investors in single family, multi-family, mobile home parks, flipping, and house hacking, we know these loans from the inside out. DSCR, conventional, and creative financing all available.

🔄
Refinance & Cash-Out

Already own a home? A refinance could lower your rate, reduce your payment, or pull out equity to fund your next investment or home improvement. Let's look at your numbers.

🏦
Reverse Mortgage

If you're 62 or older, a reverse mortgage lets you convert home equity into tax-free cash — with no monthly mortgage payments required. Stay in your home and access the wealth you've built. Let's see if it's a fit for you.

📊
DSCR Loans — For the Serious Investor

Debt Service Coverage Ratio loans qualify you based on the property's rental income — not your personal income or tax returns. Perfect for real estate investors scaling a portfolio. No W-2s, no pay stubs, no problem.

"In football, you don't quit after a bad play. You reset, adjust the play, and go again. Buying a home is no different. We'll be on the sideline with you every step of the way."

— Tyson "Ty" Marino · Senior Loan Officer · Youth Football Coach · NEXA Lending
The Marino Family — Alaska
Our Story

We've Always Been In Your Corner.

Long before we were in mortgage, Tyson served as a U.S. Coast Guard veteran doing search and rescue in the Pacific Ocean — and Amy was working 60+ hours a week running children's programs in an inner-city Tulsa neighborhood while Ty drove the van, showing up every single day for kids who needed a champion.

We foster kids. We've adopted. We coach youth football, basketball, soccer, and volleyball because we believe every kid deserves someone in their corner. Amy served as a chaplain with the Fellowship of Christian Athletes at the University of Illinois and holds a Bachelor's degree in Graphic Design. When she's not building brands or coaching kids, she's the best fisherwoman you've ever seen — first fish, most fish, biggest fish, every time.

Tyson and Amy are also experienced real estate investors — single family, multi-family, mobile home parks (MHP), flipping, and house hacking. We don't just talk about building wealth through real estate. We live it. And that's the same energy we bring to every client. We don't just close loans. We coach lives.

⚓
USCG VeteranSearch & Rescue · Pacific Ocean
🏘️
Active InvestorsSFR · Multi-Family · MHP · Flipping · House Hacking
🏈
Youth CoachesFootball · Basketball · Soccer · Volleyball
❤️
Foster & Adoptive ParentsWe chose the hard thing
✝️
Faith-DrivenFCA · Missions · Community
🎨
Amy: DesignerBachelor's in Graphic Design · Brand Builder
🎣
Amy: Top AnglerFirst fish · Most fish · Biggest fish
🛡️
AdvocatesAnti-trafficking · Pro-life · Adoption
Our Proven Process

You Show Up.
We Handle the Rest.

Most lenders hand you a link and disappear. We coach you through every step — so your application is complete, accurate, and ready for approval. No confusion. No surprises. No deals falling apart at the finish line.

1
Apply Online
We Call You

We get on the phone together and fill out your application with you — question by question, answering everything as we go. You're never staring at a form alone wondering what to put.

2
We Build Your
Game Plan

We're intent listeners, not order takers. We listen to what you're saying and why — then structure the best loan for your specific situation and goals.

3
We Gather &
Verify Everything

We tell you exactly what's needed, what NOT to do with your money during the process, and we verify everything is airtight — thinking 5 steps ahead so nothing derails your approval.

🎉
You're
Pre-Qualified

You receive your pre-qualification letter — and your file is complete, clean, and ready for a smooth ride to the closing table. Go find your home.

Included at No Charge

We Find You the Right Realtor.

You don't have to guess. We screen-share our data tools and walk through actual agents in your area with you — how many homes they've sold, what financing types they've used, whether they're a true buyer's agent, and their negotiation track record. We show you the strengths and weaknesses of each so you make an informed choice, not a blind one.

Find My Realtor Match →
🏆
Proven Track RecordWe research every agent's actual sales history, buyer satisfaction, and experience with your loan type before recommending them.
📍
Local Area ExpertiseWe match you with agents who know your target neighborhood — not just anyone with a license.
🤝
Skilled NegotiatorsYour agent should fight for you at the table. We find agents with a strong track record of winning for buyers — not just closing deals.
Dream Builders

We Stay on the Field
From Blueprint to Keys.

Most lenders hand you a construction loan and disappear. We stay with you from the first conversation to the final walkthrough — coaching you through every decision, every draw, and every yard of the build.

How Involved Do You Want to Be?

Every builder is different. Some want to be on-site every day making every decision. Others want to hand it off and get the keys. We build your strategy around your involvement level — and make sure you're protected either way.

🟢
Hands-Off Builder

You tell us the vision. We help you find the right builder, structure the loan, and check in at key milestones. You make the big decisions — we handle the complexity in between.

Best for: Busy professionals & first-time builders
Most Popular
🟡
Collaborative Builder

You're involved in the key decisions — finishes, layout changes, upgrades — while we coach you on what questions to ask, when to push back, and what you can't change once the concrete is poured.

Best for: People who want input without overwhelm
🔴
Owner-Builder

You want maximum control over your build. We guide you on managing the process, protecting your budget, what lenders require at each draw, and how to catch problems before they get expensive.

Best for: Experienced builders & hands-on owners
Pro Tips

Make It Truly Custom.

A truly custom home isn't just about picking finishes. It's about knowing which upgrades add value, which ones don't, and which decisions you can't take back once the concrete is poured. As active real estate investors, we share what we've learned the hard way — so you build smart, not just beautiful.

→ Upgrades that add value vs. upgrades that just add cost — we'll tell you the difference before you commit.
→ What to ask your builder before you sign anything — the questions most people never think to ask.
→ Decisions you can't change after the slab is poured — know these before day one.
→ Build it right the first time — we recommend third-party inspections at every phase, not just the final walkthrough.
Hidden Pro Tip

Build a "Behind the Walls" Photo Library.

Before the drywall goes up — photograph everything. Every wire run, every pipe, every structural element. Most homeowners never think to do this until they're renovating 10 years later with no idea what's behind the wall.

A complete photo documentation library of your home during construction is free, takes minutes at each phase, and could save you thousands — or more — down the road.

📁 What to Document:
All electrical wire runs & outlet locations
All plumbing lines & shut-off locations
HVAC duct routing & equipment placement
Structural elements, beams & load points
Insulation type & coverage before drywall
Panel map & circuit labeling
Store everything in a cloud folder labeled "Behind the Walls"

Ready to Build Your Dream?

Let's start with a free strategy call. We'll talk through your vision, your timeline, your budget — and show you exactly how the one-time close construction loan works. One loan. One closing. One less thing to worry about.

Book a Build Strategy Call → Learn About One-Time Close →
Dream Builders

We Stay on the Field
From Blueprint to Keys.

Most lenders hand you a construction loan and disappear. We stay with you from the first conversation to the final walkthrough — coaching you through every decision, every draw, and every yard of the build.

How Involved Do You Want to Be?

Every builder is different. Some want to be on-site every day making every decision. Others want to hand it off and get the keys. We build your strategy around your involvement level — and make sure you're protected either way.

🟢
Hands-Off Builder

You tell us the vision. We help you find the right builder, structure the loan, and check in at key milestones. You make the big decisions — we handle the complexity in between.

Best for: Busy professionals & first-time builders
Most Popular
🟡
Collaborative Builder

You're involved in the key decisions — finishes, layout changes, upgrades — while we coach you on what questions to ask, when to push back, and what you can't change once the concrete is poured.

Best for: People who want input without overwhelm
🔴
Owner-Builder

You want maximum control over your build. We guide you on managing the process, protecting your budget, what lenders require at each draw, and how to catch problems before they get expensive.

Best for: Experienced builders & hands-on owners
Pro Tips

Make It Truly Custom.

A truly custom home isn't just about picking finishes. It's about knowing which upgrades add value, which ones don't, and which decisions you can't take back once the concrete is poured. As active real estate investors, we share what we've learned the hard way — so you build smart, not just beautiful.

→ Upgrades that add value vs. upgrades that just add cost — we'll tell you the difference before you commit.
→ What to ask your builder before you sign anything — the questions most people never think to ask.
→ Decisions you can't change after the slab is poured — know these before day one.
→ Build it right the first time — we recommend third-party inspections at every phase, not just the final walkthrough.
Hidden Pro Tip

Build a "Behind the Walls" Photo Library.

Before the drywall goes up — photograph everything. Every wire run, every pipe, every structural element. Most homeowners never think to do this until they're renovating 10 years later with no idea what's behind the wall.

A complete photo documentation library of your home during construction is free, takes minutes at each phase, and could save you thousands — or more — down the road.

📁 What to Document:
All electrical wire runs & outlet locations
All plumbing lines & shut-off locations
HVAC duct routing & equipment placement
Structural elements, beams & load points
Insulation type & coverage before drywall
Panel map & circuit labeling
Store everything in a cloud folder labeled "Behind the Walls"

Ready to Build Your Dream?

Let's start with a free strategy call. We'll talk through your vision, your timeline, your budget — and show you exactly how the one-time close construction loan works. One loan. One closing. One less thing to worry about.

Book a Build Strategy Call → Learn About One-Time Close →
Ready to Run the Play?

Your First Step
Starts Here.

Choose how you want to get started. Every path leads to the same place — you, with keys in hand.

📋
Free Checklist

Download our Home Buyer Readiness Playbook — the exact steps we walk every client through before they apply.

Get the Playbook
📞
Book a Free Call

15 minutes with Tyson. No sales pitch. Just an honest conversation about your situation and your options.

Book with Tyson →
🏃
Get Pre-Qualified

Ready to go? Start your pre-qualification application now. Takes about 10 minutes and there's no commitment.

Book a Call
Realtor & Agent Partner Page

Great Players Win In Public.

"Great coaches build the system behind it."

We built something specifically for you — more closings, fast pre-quals, co-branding done for you, and 300+ lenders behind every deal. If you work with buyers, this is your page.

See the Realtor & Agent Partner Page →