Led by experienced professionals committed to making homeownership achievable for every family.
Divisional Manager
Alex Martinez
Divisional & Branch Manager · Loan Officer
NMLS #1960984 | DRE #02121826
Known as Alex The Lender, I empower individuals and businesses with flexible, transparent lending solutions. Every financial decision should be as unique as the dream behind it, so I take the time to understand your goals and tailor options that truly fit. Built on honesty, clear communication, and a genuine passion for helping others succeed. Ready to turn your vision into reality? Let's connect.
Born and raised in California's Central Valley, Andy built NextGen Home Loans into one of the fastest-growing mortgage companies in the country. Now licensed in CA, TX, and TN, with more states coming soon, he's on a mission to make homeownership more accessible for families nationwide while mentoring the next generation of leaders through his initiative, The Next Gen.
*Estimated payments reflect principal & interest only. Does not include property taxes, homeowners insurance, or private mortgage insurance (PMI). Actual payment will vary based on loan program, credit score, and other factors. Contact a loan officer for a full quote.
Every situation is different. Here's a side-by-side look at the most common loan programs to help you start the conversation.
Conventional
FHA
VA
USDA
Min. Credit Score
620
580 (500 w/ 10% down)
No VA minimum (lenders typically 580+)
640 (varies by lender)
Min. Down Payment
3%
3.5%
0%
0%
Mortgage Insurance
PMI until 20% equity
MIP for life of loan (most cases)
None
Guarantee fee (can be financed)
Loan Limits (2026)
$806,500 (most areas)
$506,050 (floor)
No limit
No limit (income limits apply)
Property Types
Primary, second home, investment
Primary residence only
Primary residence only
Primary, rural areas only
Who It's For
Strong credit, want flexibility
Lower credit or smaller down payment
Veterans, active military, eligible spouses
Moderate income in eligible rural areas
Best Feature
PMI drops off at 20% equity
Easier to qualify
No down payment, no PMI
No down payment in rural areas
Conventional
Strong credit, want flexibility
Min. Credit Score620
Min. Down Payment3%
Mortgage InsurancePMI until 20% equity
Loan Limit$806,500
Property TypesPrimary, 2nd, investment
Best Feature:PMI drops off at 20% equity
FHA
Lower credit or smaller down payment
Min. Credit Score580
Min. Down Payment3.5%
Mortgage InsuranceMIP for life of loan
Loan Limit$506,050
Property TypesPrimary residence only
Best Feature:Easier to qualify
VA
Veterans, active military, eligible spouses
Min. Credit ScoreNo VA min (580+ typical)
Min. Down Payment0%
Mortgage InsuranceNone
Loan LimitNo limit
Property TypesPrimary residence only
Best Feature:No down payment, no PMI
USDA
Moderate income in eligible rural areas
Min. Credit Score640
Min. Down Payment0%
Mortgage InsuranceGuarantee fee (financeable)
Loan LimitNo limit (income limits)
Property TypesPrimary, rural areas only
Best Feature:No down payment in rural areas
Loan program details are for general comparison only. Actual requirements vary by lender, loan amount, and borrower profile. Contact us for personalized guidance.
"Super cool, helpful, made the experience very easy and explained everything and answered all of our questions and went all out to make sure we got the best deal possible. He was always on time with all documents and answers would 100% recommend!"
MC
Mario Carrillo
Google Review
"This company was extremely helpful with my overall experience. Staff was extremely knowledgeable and helpful. Great service"
DE
Delia Escobar
Google Review · Local Guide
"I had an excellent experience working with them. From the very first moment, they were very friendly and professional, guiding me through every step of the mortgage process. Their knowledge and attention to detail made me feel confident and well-informed. I recommend their services to anyone looking for a reliable and efficient lender. Thank you for everything!"
LV
Luis Salvador V.G.
Google Review
"I would highly recommend Alex, he is very professional. As first-time homebuyers, we were incredibly nervous, but the knowledge, guidance and patience that Alex shared made this process incredible and being able to purchase our dream."
SS
Sara Santiago
Google Review
"Alex was very friendly, professional, and acknowledgeable as to which loan would fit me the best. Highly recommend to anyone who is looking for a home, if you are looking for the best, look no more. A+"
EL
Elsa Larez
Google Review
"Alex and his team helped me and my family with a purchase of a home, they are very professional and honest. I highly recommend this company."
AO
Adrian O
Google Review · Local Guide
"Working with Alex was an absolute pleasure! As first-time homebuyers, we were incredibly nervous, but the knowledge and guidance that Alex shared made this process incredible. He made sure to explain every step in detail."
LC
Leslie Chavarin
Google Review
"Very thorough review of current financial situation. Professional, courteous and great follow up. Alex and his team go beyond offering mortgage solutions, they dug deep in our financial situation to find the best solution. They are true partners. Highly recommend!"
MR
Manuel Razo
Google Review
"I had an outstanding experience with Alex on my recent cash-out refinance, and I couldn't be happier. He went above and beyond to substantially lower my interest rate, saving me a significant amount of money in the long run."
LS
Lino Sanchez
Google Review
"Alex was helpful and professional every step of the way. He works super hard and does not clock out at 5 pm. He was available to answer questions at any time of the day. Even after closing he checks up on us. 10/10 recommend!"
MG
Monica Garcia
Google Review
"Alex was efficient, friendly, and awesome to work with! He closed the loan timely and I would definitely work with him and recommend him. If you are looking for someone to get the job done, Alex will."
MP
Mario Pinedo
Google Review · Local Guide
"Working with Alex was a breeze! I never considered home ownership until he explained the process and what I could afford based on my income. The fact that I own a home now with minimal stress during the process is awesome."
JH
Julian Horta
Google Review
"My family had the pleasure of working directly with Alex when we decided to refinance. Prior to our neighbors referring us to Alex, we had tried to refinance with 2 other loan officers without success."
CM
Chong Moua
Google Review · Local Guide
"Thank you from the bottom of my heart on behalf of my family for the great work, Alex. We are truly grateful for your professionalism. You always went out of your way to help, sometimes even late at night."
HP
Heriberto Perez
Google Review
"Alex was and continues to be a great help to this day, made our dreams come true for me and my family. We are forever grateful 🙏"
JR
Job Ruiz
Google Review
See All 160+ Reviews on Google
Read every review, see star breakdowns, and even leave your own. Hear directly from the families I've helped.
Team Prosper, operating under NextGen Home Loans (NMLS #2280945, DRE #01527806), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage lending services.
2. Information We Collect
Personal Information: When you apply for a loan, request a pre-qualification, or contact us, we may collect:
Full name, date of birth, Social Security Number
Contact information (phone number, email address, mailing address)
Employment and income information
Financial information (assets, debts, bank statements, tax returns)
Credit history and credit scores (obtained with your authorization)
Property information related to your loan application
Automatically Collected Information:
Browser type and version, operating system
Pages visited, time spent on pages, referring URLs
IP address and approximate geographic location
Device identifiers and cookies
3. How We Use Your Information
Process and evaluate your mortgage loan application
Verify your identity and financial information
Communicate with you about your application, account, or our services
Comply with federal, state, and local laws and regulations
Prevent fraud and protect the security of our systems
Improve our website, products, and services
Send you marketing communications (with your consent)
4. Information Sharing & Disclosure
We do not sell your personal information. We may share your information with:
Service providers: Credit bureaus, appraisers, title companies, and other vendors necessary to process your loan
Government agencies: As required by law (e.g., HMDA reporting, IRS, state regulators)
Secondary market: Investors or entities that may purchase or service your loan
Legal compliance: When required by court order, subpoena, or applicable law
5. Data Security
We implement administrative, technical, and physical safeguards to protect your personal information. These include encryption of sensitive data, secure data storage, employee training on data privacy, and regular security assessments. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
6. Your Rights
Depending on your state of residence, you may have the right to:
Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your personal information (subject to legal retention requirements)
Opt out of marketing communications at any time
Request information about our data-sharing practices
California residents have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). To exercise any of these rights, contact us using the information below.
7. Cookies & Tracking
Our website uses cookies and similar technologies to enhance your experience, analyze site traffic, and understand usage patterns. You can control cookie preferences through your browser settings. Disabling cookies may affect certain functionality of our website.
8. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any personal information.
9. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.
11. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, contact us:
By accessing or using the Team Prosper website (operated by NextGen Home Loans, NMLS #2280945, DRE #01527806), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use our website or services.
2. Services Description
Team Prosper provides mortgage lending information, educational resources, mortgage calculators, property listings, and loan application services through this website. All lending services are provided through NextGen Home Loans, a licensed mortgage lender in the State of California. Our website tools, including calculators and affordability estimates, are for informational and educational purposes only and do not constitute a loan offer, pre-approval, or commitment to lend.
3. Eligibility
You must be at least 18 years of age and a legal resident of the United States to use our services. By submitting a loan application or pre-qualification request, you represent that all information provided is accurate and complete to the best of your knowledge.
4. No Guarantee of Loan Approval
Submitting a pre-qualification request or loan application does not guarantee approval. All loans are subject to credit review, underwriting, appraisal, and other conditions. Interest rates, terms, and program availability are subject to change without notice and may vary based on your financial profile, property type, and market conditions.
5. Calculator & Estimate Disclaimers
The mortgage calculator and affordability calculator on this website provide estimates based on the inputs you provide. These estimates are for illustrative purposes only and do not represent actual loan terms, approved amounts, or guaranteed payments. Actual payments may include additional costs such as property taxes, homeowner's insurance, mortgage insurance (PMI/MIP), HOA dues, and other fees not reflected in the estimates. Consult with a loan officer for a personalized and accurate quote.
6. Property Listings
Property listings displayed on our website are provided for informational purposes. While we strive to keep listings accurate and up to date, we do not guarantee the accuracy, completeness, or availability of any listing. Listing details including price, availability, and property features are subject to change without notice. Team Prosper is not a real estate brokerage and does not represent buyers or sellers in real estate transactions.
7. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Team Prosper / NextGen Home Loans or its content suppliers and is protected by United States copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content without prior written consent.
8. User Conduct
When using our website, you agree not to:
Provide false or misleading information on any application or form
Use the website for any unlawful purpose or in violation of any regulations
Attempt to interfere with or disrupt the website's functionality
Scrape, harvest, or collect data from the website without authorization
Impersonate another person or entity
9. Third-Party Links & Services
Our website may link to third-party websites, tools, or services (including loan application platforms). These third parties have their own terms and privacy policies, and we are not responsible for their content, practices, or availability. Your use of third-party services is at your own risk.
10. Limitation of Liability
To the fullest extent permitted by law, Team Prosper and NextGen Home Loans shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or services. This includes, but is not limited to, errors in calculator estimates, delays in loan processing, or reliance on information provided on this website. Our total liability shall not exceed the amount you have paid to us, if any.
11. Indemnification
You agree to indemnify, defend, and hold harmless Team Prosper, NextGen Home Loans, and their officers, employees, and agents from any claims, damages, losses, or expenses (including attorney's fees) arising from your use of the website, your violation of these Terms, or your provision of inaccurate information.
12. Equal Housing Lender
NextGen Home Loans is an Equal Housing Lender. We comply with the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), and all applicable federal and state fair lending laws. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, age, sexual orientation, gender identity, or any other protected class.
13. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of the State of California, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved in the courts located in the State of California.
14. Changes to Terms
We reserve the right to modify these Terms of Service at any time. Changes become effective immediately upon posting to this page. Your continued use of the website after any changes constitutes acceptance of the revised terms.
15. Contact Us
If you have questions about these Terms of Service, contact us:
The information provided on this website is for general informational and educational purposes only. It is not intended to be, and should not be construed as, financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions, including but not limited to applying for a mortgage loan.
Lending Disclaimer
All mortgage loans are originated by NextGen Home Loans (NMLS #2280945, DRE #01527806), a licensed mortgage lender in the State of California. Team Prosper is a branch operating under NextGen Home Loans. All loans are subject to borrower qualification, including but not limited to: income verification, credit review, employment verification, property appraisal, and underwriting approval. Nothing on this website constitutes a commitment to lend, a pre-approval, or a guarantee of loan terms. Interest rates, annual percentage rates (APR), fees, and loan programs are subject to change at any time without notice.
Rate & Payment Disclaimer
Any rates, payments, or loan scenarios displayed or discussed on this website are for illustrative purposes only and may not reflect current market conditions or your specific financial situation. Quoted rates may include discount points and are subject to underwriting approval. Your actual rate, payment, and costs may differ based on your credit score, loan-to-value ratio, debt-to-income ratio, loan amount, property type, occupancy, and other factors. Rates shown do not include taxes, insurance, or other applicable fees unless otherwise stated.
Calculator Disclaimer
The mortgage calculator and affordability calculator provided on this website are tools for estimation purposes only. Results are based on the information you input and standard financial formulas. These calculators do not account for all costs associated with a mortgage, including but not limited to: closing costs, origination fees, discount points, title insurance, escrow fees, HOA dues, flood insurance, or special assessments. Calculator results do not represent an offer to lend, a loan commitment, or guaranteed terms. Contact a loan officer for an accurate and personalized estimate based on your specific circumstances.
Property Listing Disclaimer
Property listings featured on this website are provided for informational purposes only. Team Prosper is a mortgage lending team, not a real estate brokerage. We do not represent buyers or sellers in real estate transactions. Listing information including price, availability, square footage, lot size, and property features is believed to be accurate but is not guaranteed. Properties are subject to prior sale, price changes, or withdrawal without notice. Estimated monthly payments shown on listing cards are approximations based on standard assumptions and do not include all costs. Always verify property details with the listing agent and obtain a professional inspection before purchase.
Equal Housing Opportunity
NextGen Home Loans is an Equal Housing Opportunity Lender. We are committed to compliance with the Fair Housing Act, the Equal Credit Opportunity Act (ECOA), the Home Mortgage Disclosure Act (HMDA), and all applicable federal, state, and local fair lending laws and regulations. We do not discriminate in lending on the basis of race, color, religion, national origin, sex, familial status, disability, marital status, age, ancestry, sexual orientation, gender identity, source of income, or any other characteristic protected by federal, state, or local law. If you believe you have been discriminated against, you may file a complaint with the U.S. Department of Housing and Urban Development (HUD) at 1-800-669-9777 or at hud.gov/fairhousing.
Testimonials & Reviews Disclaimer
Testimonials and reviews displayed on this website reflect the personal experiences of individual clients and are not a guarantee of future results. Individual experiences may vary. The testimonials shown are not paid endorsements and represent unsolicited feedback from real clients. Results depend on individual circumstances including credit profile, financial situation, and market conditions.
Educational Content Disclaimer
Educational materials and guides available on this website, including "Your Road to Home Ownership," are provided for informational purposes only. The content reflects general industry knowledge and the perspectives of the author at the time of publication. It should not be relied upon as a substitute for professional financial, legal, or tax advice. Loan programs, guidelines, and regulations may have changed since publication. Always consult with a licensed professional for guidance specific to your situation.
Website & Technology Disclaimer
This website is provided on an "as is" and "as available" basis. Team Prosper and NextGen Home Loans make no warranties, express or implied, regarding the website's availability, accuracy, reliability, or suitability for any purpose. We are not responsible for any errors, omissions, interruptions, or delays in the website's operation. We reserve the right to modify, suspend, or discontinue any aspect of the website at any time without notice.
Licensing Information
NextGen Home Loans
NMLS #2280945
California DRE #01527806
Licensed by the California Department of Real Estate
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