Certified Mortgage Advisor · NEXA Mortgage
Expert mortgage guidance with access to 200+ lenders — so you get the right loan, not just any loan.
Rose Black · NMLS# 258263 · Long Beach, CA · NEXA Mortgage NMLS# 1660690
Rose Black has been working in the mortgage industry for over 20 years. Previous to being a Certified Mortgage Advisor, she was a real estate and trust attorney. As such, she brings a depth of knowledge, skills, and expertise other mortgage professionals simply do not have.
Rose believes the mortgage experience is more about building relationships than processing transactions. She takes a consultative approach, customizing and personalizing every loan. She begins by identifying a client's future real estate planning and strategic asset management goals — positioning them to capitalize on all real estate investment opportunities that come their way.
Rose offers many mortgage choices, excellent rates, and flexible financing terms. She specializes in Conforming Loans, FHA and VA Transactions, Jumbo Loans, and Reverse Mortgages, and loves the challenge of loans that take a little more effort. She enjoys working with first-time buyers, investors, retirees, and everyone in between.
Most loan officers can get you a loan — Rose endeavors to get you the right loan.
We partner with lenders who share our belief that applying for a mortgage should be fast, simple, and transparent — with your best interests at the center.
Buying your first home is one of the biggest decisions of your life. Rose will guide you through every step, from pre-approval to closing — clearly and confidently.
Get Pre-Approved →Get out of a high-rate mortgage, lower your monthly payment, or unlock your home's equity for debt consolidation or other important needs.
Learn More →At renewal, you can renegotiate everything about your mortgage with no penalties. It's also a great opportunity to save money and restructure for your goals.
Explore Options →Qualifying as a self-employed borrower can be complex. Rose specializes in bank statement loans and non-QM options that make homeownership accessible.
Talk to Rose →Help seniors access the equity in their homes to supplement retirement income — with expert guidance and a process built around dignity and clarity.
Learn More →From single-family rentals to multi-unit properties, Rose helps investors structure financing that maximizes return and supports long-term portfolio growth.
Get Started →With access to 200+ lenders, Rose can find the right product for virtually any borrower — from conventional to complex.
We can help with your financial strategy, your mortgage amount, down payment, purchase price — and give you a realistic picture of what you can afford before you ever make an offer.
Tell Rose a little about yourself and she'll reach out within one business day.
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Instead of being limited to one bank's products, Rose shops your loan across a massive network to find the best rate and terms for your specific situation.
A broker works for you — not the bank. Rose's job is to get you the best deal possible, not to push the product that's most profitable for a lender.
Bank statement loans, jumbo, non-QM, reverse mortgages — Rose has access to loan types that most retail banks simply don't offer.
You work directly with Rose — not a call center. She proactively manages every detail so there are no surprises at closing.
I would just like to personally thank Rose in regards to our latest mortgage renewal. She made the entire process smooth and painless. We will definitely be using her services again — and again.
Excellent service and attention to detail. Rose walked us through everything so there were absolutely no surprises. Highly recommended — she is a true professional in every sense.
Thank you so much for all your care, attention to detail, and hard work. The pre-approval process really helped make our first-time home purchase a complete breeze!
From the first phone call to the very end of the process, you made everything seem easy. I never felt lost or confused. Thanks again for everything — you were amazing.
Rose found us a rate that our bank couldn't come close to. Her legal background really shows — she explains everything clearly, catches things others miss, and fights for her clients.
We were self-employed and had been turned down by two banks. Rose found us a loan that worked perfectly. She never gave up on us. We are homeowners because of her.
Rose guides you through every step — so you always know exactly where you are and what comes next.
Rose learns about your goals, timeline, and financial picture.
Documents collected, credit reviewed, and a pre-approval issued.
Rose shops your loan across 200+ lenders for the best rate.
Appraisal ordered, underwriting managed, conditions cleared.
Sign documents, fund the loan, get the keys. Done.
Estimate your monthly payment, calculate how much you can afford, or model a refinance scenario.
A clear checklist of everything you'll need to gather before starting your mortgage application.
Answers to the most common mortgage questions — from what affects your rate to how closing works.
Plain-English definitions for every mortgage term you'll encounter, from amortization to underwriting.
Get a real-time rate quote tailored to your loan type, credit, and purchase price — not generic averages.
Timely articles on market trends, home buying strategy, and financial tips from Rose's 20+ years of experience.
Whether you're ready to apply or just starting to explore your options, Rose is always available to answer questions and help you think through your strategy — with no obligation.
She responds to every inquiry personally, usually within a few hours.