Your Mortgage Made Easy
Get your easy, hassle-free, digital mortgage here.
Mortgage Loans and Refinancing in TEXAS and Florida!
Welcome to the official site of The Mortgage Maniac. We are a full-service Mortgage company based in New Braunfels, TX. We specialize in Mortgage Loans - Purchase and Refinancing of Residential as well as Commercial loans. We serve the all over the Great State of TEXAS (and now Florida too!) and have loan originators from Corpus Christi to Lubbock, Austin, Dallas, Houston, San Antonio and everywhere in between. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
In terms of Purchase Loan programs, we offer the following: FHA | VA | USDA | HomePath | Commercial | Conventional
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:
Contact The Mortgage Maniac today to discuss your mortgage loan options, and find out which loan program will best suit your needs.
What Our Customers Are Saying
"I have had the pleasure of working with Nathan Howry for several months now on multiple transactions. He is extremely professional and responsive and always on top of his files. In this business it can be challenging at times trying to facilitate all aspects of the mortgage process and closing, but The Mortgage Maniac is the best! I would refer him to my family and friends because I know he always puts his clients first! Everyone on his team has been so easy to work with. You will not be disappointed! "
"Nate was an absolute pleasure to work with! He is very knowledgeable, responsive and friendly. I could not recommend him any more highly."
"Nathan was fantastic from start to finish during the Refi process! He is professional yet down to earth and relatable. We did nothing except provide documents he needed. The process was quick AND inexpensive. Nathan had our best interest in mind every step of the way.....and we locked in at an amazing rate! Choose Nathan when refinancing....you won’t be sorry!"
"We recently refinanced our home and I would like to acknowledge the exceptional service that we received during the entire process. Nathan’s professionalism and knowledge of the industry was impressive and truly appreciated. He went above and beyond to ensure that all our needs were met and that everything was handled thoroughly and efficiently. We will recommend him in the future."
"Awesome experience, with Nate there were no worries we would get the best rates available. Great communication and very quick to answers any questions we had. Thank you Nate! "
"Nate did a Fantastic job of securing a low rate for our recent refinance ! He made the entire process so easy and hassle-free. He handled everything quickly and efficiently, with the utmost professionalism. We have, and will, recommend him to others who have Mortgage/Refinance needs! Thanx, Nate !! "
"This is how it should be done. 31st real estate deal in Texas, by far the smoothest. Thank you! "
"I contacted Nate for a home refinance and he responded very quickly and the process went very smooth and efficient. I would definitely recommend Nate to anyone needing a mortgage/refinance on their home!"
"Nathan Howry was absolutely excellent and professional. He was responsive, provided us with outstanding service and got our re-finance completed and closed 3 weeks with an excellent rate. I highly recommend you give him a call. Shari Wilson"
"Nate treats you like family, and each mortgage as if it were his own. He goes above and beyond. The process was easy and stress free. Nate handles every step with the utmost urgency and accuracy. We couldn’t be more thrilled. "
"TOTALLY AWESOME JOB!!"
"After hearing how low the interest rates currently are my husband and I decided to look into refinancing our house. I was referred to two different people. One I called and left a voicemail and the other was Nathan who responded immediately. The first person didn't respond for a week! Nathan was very patient while answering the million questions I had and communicated with me every step of the way. I was hearing from everyone that their refinancing process was taking months. We signed our papers yesterday in the comfort of our livingroom after only 3 weeks! This is our second time refinancing but the first time was a nightmare. I only wish we found Nathan sooner! He was also able to refer us to someone that helped us get better INS coverage for way less than we were previously paying. Nathan found us a excellent interest rate that will save us a fortune. The whole process was easy thanks to Nathan. I highly recommend giving him a call."
"My wife and I just purchased our dream home, and thanks to Nate, the process was smoother than we could have ever imagined. To say Nate was extra-helpful and super-supportive is an understatement...not to mention his turnaround time was phenomenal (which is unheard of these days)! He went above and beyond in every way, and we *highly* recommend his services"
"We used Nate for our refinance. Nate is awesome and go our rate reduced by one and a half points! Our current rate was already decent, but we will end up saving thousands with an even lesser rate. He is super responsive, even on the weekends when I didn't expect to get a response until the next business day. I will definitely be going through Nate for any additional mortgage products in the future."
"Nate is incredible to work with. He is very professional, super responsive and awesome about always finding us the very best deal out there. We’ve don’t business with him multiple times and will continue to use him for any of or mortgage needs. I cannot recommend him enough."
"Nate blew away the competition. I am not kidding, I shopped very hard and actually kept shopping throughout the closing just to make sure rates hadn't improved. Every time I told other mortgage folks my terms they'd work their butts off trying to match and would either come up short or barely match it, they couldn't beat it. He was extremely quick, literally we were ready to close on day 20! On top of all that, he is very personable and friendly. Needless to say, I highly recommend Nate."
"Awesome experience. Extremely fast and knowledgeable. I have done a lot of mortgages and I have never had one go so quickly, easily, and by far the lowest cost. Highly recommend!"
Melanie Holland Shaw
"Nathan helped my husband and I refinance our home and made it such a quick and stress-free process! We are now able to start some much awaited renovations! 10 out of 10!!"
"This was the first time buying a home and we really had no clue what all went into it. Nate was able to walk us through the complex jungle that is mortgage lending. He was very thorough and even saved us about $500 after he caught we were double charged for the appraisal."
"Nathan Howry with NEXA Mortgage goes above and beyond to deliver the highest level of service to clients. He and his support team strive deliver a great loan at the best rates for Texas homebuyers and home owners. If you are considering buying a home he can guide your through the process and provide a solid pre-approval. If you're looking at refinancing, even if you already have a quote from a lender, you owe it to yourself to get a 2nd opinion and see for yourself how mortgage brokers are better."
Kelli Gober Pathanky
"Nate is exceptional! As a real estate agent, I couldn’t ask for a smoother transaction. I knew where we were at in the lending process throughout the entire transaction. Nate responded to all my questions and concerns in a timely and professional manner. Wonderful costumer service! Contract to close I didn’t have a single complaint!"
"We worked with Nate and it was by far the easiest mortgage we’ve ever acquired. He was quick and fast, always answered my calls and emails in a prompt manner and made it very seamless, we will work with nate in the future if the need arises."
"What a great guy who has your best interest at heart. Nate and his team know how to structure a loan and get it closed fast! Anyone looking to finance a property needs to give him a call!"
"I can't recommend Nate high enough for all his help with our recent home loan. He started working with us before we were ready to buy and guided us through the steps we needed to get our credit in shape for our home purchase. Once we were ready to buy, he walked with us every step of the way and provided timely answers to any questions we had. During our loan process, we even had to switch houses we were buying. Through no fault of ours or Nate's, we ended up losing our first house while it was under contract. Nate was able to keep our loan approval moving forward even as we moved to a contract on a new house. We even made our original closing date (less than 2 weeks after executing the contract on our second house). We couldn't have done this without him and I would wholeheartedly recommend Nate to anyone needing financing for a home."
"We are so thankful for Nate. As our lender, he helped guide us every step of the way during our loan process, and now we are in our beautiful new home. Thanks, again!"
"Nate was amazing at helping me purchase my first home! I had no idea what to expect or what goes into buying a home and Nate was able to clearly describe and explain the whole process to me. Nate was also extremely caring and nice which made my first home buying process a breeze with his help!"
"Nathan Howry is the best mortgage broker! Initially Nate helped me aquire a mortgage loan with a first time home owners grant. A year later Nate made sure that my loan was refinanced at almost half of the interest rate. Nate held my hand through every step of the way and checked back with me to make sure all the documentation got done as soon as possible and accurately. Nate will be my go-to the next time I have mortgage loan needs.!"
"I learned about Nathan through a friend, he worked with on the purchase of her first home. From the time she met Nathan she raved about how helpful, thorough and patient he was! So when I decided to apply for a home equity loan, there was no doubt who I was going to reach out to. When I first spoke to Nathan I explained what my desires were such as paying my off student loans, as well as, completing some much needed upgrades to my home. He did not hesitate, he got right to work and let me know what we would need to do to make it happen! As we were moving through the process we hit a snag due to a zoning issue. But, Nathan stuck by me. He contacted the city to find out what the issue was and put me into contact with all the right people to rectify the situation! Nathan was always readily available to answer questions and connected me with wonderful people with the lender who fulfilled my mortgage! I highly recommend Nate to anyone venturing into the purchase of a home or anyone who may be looking to acquire a home equity loan! He is fantastic!"
"Nate was wonderful helping me close on two mortgages at the same time. he was always available and responded quickly to all of my requests. I highly recommend him"
"Nate is awesome and very knowledgeable. He makes the process easy and always keeps you well informed as well as helping you through any unexpected issues that may come up. "
"Nathan's prowess as a mortgage broker is unsurpassed. His knowledge and connections helped my husband and me purchase the house of our dreams. We recommend him to anyone and everyone in the market for a new home. He is outstanding!!!"
"Nate is awesome!! We are first time homebuyers in Lubbock Tx. Distance did not matter! Nate kept us well informed and answered all our questions right away! Highly recommend!! "
"Professional, knowledgeable and honest."
"Mr Howry goes above and beyond to help during the mortgage/ re-finance process. He stays on top of our paperwork and helped make our transition into a new home easy. He found the needed documents in order for us to close, he should be a detective! Thank you for going the distance (literally) for me and my family. "
"I live in the best spot in Austin!!! Nate found me my house in the beat little south Austin neighborhood at a killer price. He has helped me through the financial piece on my first go and when I refinanced. He made the process easy and took care of me. Thank you for being my mortgage expert! I will only reach out to Nate for my house buying needs ????"
"Nate is the best and can always count on him."
"We have gone through buying our first home and now refinancing with Nathan Howry. I cannot tell you enough how easy Nathan made the process. He took care of so much for us and made us feel as ease whenever we questioned the process or something came up. Nathan was there for us every step of the way."
"Our team has worked with Nate on many different occasions with many types of clients. He was outstanding, has great communication skills, and gets the job done. We will be using Nate in the future! "
"First off, Nate worked with me for about 3 years until we finally found the perfect house. Throughout that time, he always stayed in touch and was there to answer a question with almost an instant response time. We had unique limitations for mortgage options, and he found a way to make our dream come true. HIGHLY HIGHLY HIGHLY recommend him!"
"Nathan Howry with NEXA Mortgage is very transparent, and really makes his clients feel comfortable when purchasing a home. He is extremely efficient and communicates thoroughly during the loan process. He has a multitude of loan programs to fit every buyers needs and offers the lowest rates. Nathan is a top notch broker and offers 5 star service. Highly Recommend!"
"Nate is awesome! He saved me so much money with a simple phone call this week! $$$"
"Nate is friendly, fast, and reliable!! I have done 3 mortgages with him and it's very easy with his checklist!!! He gets the best rates, and finds great options, I have sent him many friends and family members, highly recommended!!!!!"
"Nate helped make our home buying experience that much easier. From tips on how to bring up our credit score to a 21 day close. He knows what he’s doing and does it well."
"Nathan was amazing. Our loan ended up being a tricky one due to some weird rules on rainwater collection, but Nathan worked so hard for 2 weeks to ensure he could get us the best financing for our needs. When others would have most likely given up, Nathan tirelessly worked hours each day on our file and kept us updated throughout the process. I always felt like my family’s mortgage was in the best hands. Thanks a ton Nathan!!"
"Nate was on top of everything and made the whole process a breeze for us. Specifically he reduced our mortgage by $300! We didn’t have to change the life of the loan and got a check in the mail within 30 days!!! He’s awesome!???? "
"Nate handled a process that confuses me to no end while explaining exactly what was going on whenever I needed him to. He worked quickly and efficiently and was easy to get a hold of. He was able to help our family and The Mortgage Maniac is the only company I feel comfortable recommending to family and friends. "
"Nate is an amazing lender and person!!!! He has helped several of my clients get their loan approved and have a smooth closing. If you are looking for a lender who cares about you and walks you through the process...Nate is your man!!!!! He is very professional and will not lead you in the wrong direction. He tells you what you need to do to get into that dream home!!!!!"
"Nathan took the time to meet us after hours since I work in Kyle and my husband works in San Antonio. His willingness to consider our needs to meet with his was a shining quality to begin with this process. Secondly, total open communication with each step of the process. Lastly, Nathan spoke to us and not over our heads. In other words he dumbed it down to ensure we both understood what options we had. Awesome patience and great personality! Definitely recommend Nathan!"
Connect with Our Experts Today!