Complete Mortgage Solutions: Purchases, Refinances, & HELOCs
Matthew Grutzius | Licensed Loan Originator NMLS #2338187 | NEXA Lending
You don't need a massive retail bank to get the right home loan. Get personalized guidance, transparent terms, and access to wholesale rates on purchases, cash-out refinances, and equity lines of credit in Tennessee built around your financial goals.
Flexible Tennessee Mortgage Solutions
As a licensed loan originator with NEXA Lending, I don't just offer one bank's limited menu. I shop dozens of wholesale lenders to find the exact rate, term, and loan product that fits your financial goals.
Home Purchases
From first-time homebuyers to seasoned real estate investors, get pre-approved quickly. I offer Conventional, FHA, VA, USDA, and Jumbo loans with competitive wholesale rates to help you win your offer and close on time.
Home Equity Line of Credit
Tap into your home's equity without losing your primary mortgage's low rate. A HELOC gives you a flexible, revolving credit line that is perfect for funding home improvements, debt consolidation, or real estate investments.
Cash-Out & Rate Refinancing
Lower your monthly payment, drop expensive mortgage insurance, or turn your accumulated home equity into cash. We will analyze your current loan and property value to see if refinancing makes financial sense in today's market.
The Wholesale Advantage
Retail banks only sell their own expensive products. As an independent originator, I make lenders compete for your business. This saves you time, minimizes closing fees, and secures the best possible rate for your specific scenario.
Meet Your Dedicated Loan Officer
Personalized guidance, transparent terms, and wholesale rates for Tennessee homeowners.
Hi, I’m Matthew Grutzius, a Licensed Loan Originator with NEXA Lending. Navigating home loans can often feel overwhelming, but my goal is to eliminate the stress and guesswork. I work closely with buyers, homeowners, and investors across Tennessee to find clear, competitive financing solutions built around your exact timeline.Because I work on the wholesale side of lending, I am not tied to a single bank's limited rates or rigid guidelines. Whether you are purchasing your first home, accessing your equity through a HELOC, or refinancing your current mortgage, I shop dozens of top national lenders to secure the right fit for your financial goals.
Ready to Explore Your Financing Options?
Whether you are buying a home, lowering your monthly payment, or unlocking equity with a HELOC, get personalized wholesale mortgage rates delivered straight to your inbox. Zero pressure and no retail markup.
© 2026 Matthew Grutzius. All rights reserved.
Matthew Grutzius | Mortgage Loan Originator | NMLS #2338187
NEXA Lending, LLC | Company NMLS #1660690Equal Housing Opportunity. All loans are subject to credit, income, asset, identity, and property verification. Rates, terms, and programs are subject to change without notice. Not a commitment to lend. To verify licensing, please visit www.nmlsconsumeraccess.org.
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