
Stable payments from start to finish
Lower starting rate that adjusts over time.
Lower payment options with flexible credit.
No down payment options for eligible veterans.
Low down payment options for factory-built homes.
Financing options for buying your first or next home.
Flexible financing with competitive rates.
Lower your rate, reduce payments, access equity.
Get guidance, competitive rates, and a smooth path.
Compare multiple lenders and secure competitive rates.
Qualify with 12 or 24 months of bank statements.
Lower your rate or payment with less paperwork, often no appraisal needed.
Fast pre-approvals from a lender who knows your market.
FHA, VA, conventional, and refinance, fast pre-approvals.
A real local loan officer, not a call center.
Local Seacoast expertise with pre-approvals in days.

Mike Gill Jr.
I’ve spent my career in the mortgage industry, starting at my family’s brokerage, where I gained a deep understanding of the business. In 2017, I founded Nextgen Mortgage, Inc., combining my expertise with a commitment to building strong relationships. Our highly experienced team, averaging over 15 years in the industry, partners with trusted local real estate agents and brokerages to provide exceptional service to their buyers. We collaborate with over 30 banks and lenders to offer a wide range of options and secure the best deals for our clients.
