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Mortgage Loan Officer · Kansas & Missouri

Financing that fits your life — explained in plain language.

Helping homebuyers, homeowners, and real estate investors find financing solutions that fit their goals. FHA, VA, Conventional, USDA, DSCR, and investment property financing.

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Angela Gerrard, Mortgage Loan Officer
Angela Gerrard Mortgage Loan Officer · NMLS #2712870

NEXA Lending, LLC · NMLS #2712870 · Company NMLS #1660690 · Licensed in Kansas and Missouri · Equal Housing Opportunity

How I work

  • Clear communication

    Explained in plain language, at every step.

  • Fast response times

    Questions answered without a long wait.

  • Honesty and education

    An informed homebuyer is a more confident homebuyer.

  • Reliable service

    Smooth and stress-free, from application to closing.

Loan programs

Programs I work with. Not every option fits every borrower — that's what the conversation is for.

  • FHA

    A government-insured loan that many first-time buyers start with.

  • VA

    For eligible veterans, active-duty service members, and surviving spouses.

  • Conventional

    Traditional financing that isn't backed by a government agency.

  • USDA

    For eligible homes in rural areas and some suburban ones.

  • DSCR

    Qualifies an investment property by its rental income rather than your personal income.

  • Investment Property

    Financing for rentals and properties beyond your primary residence.

  • FHA 203(k) Renovation

    Combines the purchase price and eligible improvement costs into one mortgage with one closing.

  • Fannie Mae HomeStyle

    Renovation financing for buyers updating a home as they purchase it.

  • Medical Professional Loans

    For eligible healthcare professionals, with more flexible treatment of student loan debt.

Eligibility, qualifying guidelines, and available benefits vary by lender and individual circumstances. This is not a commitment to lend.

Straight answers to real questions

I write about the things borrowers actually ask me. Here are a few.

  • Renovation loans

    There's a Loan for That

    A home that needs updating isn't always a deal-breaker—it may be an opportunity. A renovation loan may allow a qualified buyer to combine the purchase price and eligible improvement costs into one mortgage with one closing.

  • Mortgage basics

    Mortgage conversations can sometimes sound like alphabet soup.

    APR, DTI, LTV, PMI — borrowers shouldn't need a decoder ring to understand one of the biggest financial decisions they'll make.

  • Rates & costs

    A remarkably low mortgage rate can catch your attention—but the number in the advertisement rarely tells the whole story.

    That rate may require excellent credit, a larger down payment, discount points, or other very specific qualifications. Before comparing offers, look beyond the advertised rate.

  • Rate history

    Could you imagine financing a home at 18.63% interest?

    According to Freddie Mac, the average 30-year fixed mortgage rate reached a record 18.63% in October 1981 — the highest weekly average recorded since tracking began in 1971.

  • Investor financing

    Could the seller become the lender?

    With owner financing, the buyer makes payments directly to the seller under negotiated terms — useful when traditional financing doesn't fit the transaction.

  • Specialty programs

    Medical Professional Loans

    Medical professionals often begin their careers with strong earning potential—but also considerable student loan debt. Certain mortgage programs may provide more flexible treatment of that debt while offering other benefits designed specifically for eligible healthcare professionals.

In their words

What it's like to work together, in the words of a client and a referral partner.

I was looking for a rental closer to work that had the space for myself and my 4 kids within my budget. During that process Angela reached out to me and explained to me that with my credit I could qualify for an FHA 1st time homebuyer loan. Buying had never even crossed my mind as a possibility but after she explained the requirements, I quickly realized that not only was buying possible for me, but was actually going to be the most affordable option upfront and monthly and that I would get more bang for my buck. I cannot recommend her enough, she is very personable, easy to talk to, and very attention to detail!!!
Tyler Allman Client
I highly recommend Angela Gerrard for her exceptional skills and professionalism. She consistently demonstrated excellent organization, punctuality, and a friendly demeanor. With her past experience in the industry, she navigated the loan processing landscape with ease, ensuring a smooth and efficient experience. Angela is a valuable asset to help with your clients loan needs.
Angela Blankley Sales Associate, Coldwell Banker Emporia Real Estate
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Rate history · Freddie Mac

The right time to buy isn't determined by one number.

18.63%

Average 30-year fixed mortgage rate · October 1981

According to Freddie Mac, the average 30-year fixed mortgage rate reached a record 18.63% in October 1981—the highest weekly average recorded since tracking began in 1971. Of course, home prices and the overall economy looked very different then. It's a great reminder that comparing rates alone never tells the full story.

It depends on your finances, your goals and the loan options available to you.

About Angela

I'm a Mortgage Loan Officer licensed in Kansas and Missouri. Six years in mortgage lending in Alaska, a career break raising three boys, and a return to the work I missed.

  • 2004 – 2009 Mortgage Loan Broker, Aurora Mortgage Corp. Wasilla, Alaska. I offered clients access to a broad range of loan programs and competitive financing solutions, partnering with real estate professionals who prioritized service and integrity.
  • 2010 – 2025 Career break Raising my 3 boys after the housing crash, while working other types of employment.
  • 2025 Re-licensed in Kansas and Missouri I relocated to Kansas and became a licensed Mortgage Loan Originator.
  • Mar 2026 Joined NEXA Lending, LLC Mortgage Loan Officer, working with buyers, homeowners, and real estate investors.

  • 98%

    Client satisfaction rate over 6 years · Aurora Mortgage Corp., 2004–2009

  • Hundreds

    Alaskan residents helped and educated on the best loan programs for their needs

During my break from Aurora Mortgage Corp., after the housing crash, I was raising my 3 boys while working other types of employment. In 2025 I re-located to Kansas and decided to get licensed as a Mortgage Loan Originator to re-enter the field I loved and missed throughout my career.
Angela Gerrard

Start your loan conversation

No pressure, no jargon. Tell me what you're working on and I'll tell you what's possible.

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