Al Morell, NMLS #1660690 - NEXA Mortgage Loan Originator serving Winter Garden, Ocoee, and the greater Central Florida area. Conventional, FHA, VA, USDA, jumbo, refi, and first-time buyer programs.
Start My Mortgage Application View Loan ProgramsFor borrowers with strong credit and down payment. Flexible terms, competitive rates, and no upfront mortgage insurance for qualifying buyers.
Lower down payment requirements with flexible credit criteria. A strong path for first-time buyers and those building their credit profile.
Exclusive benefits for eligible veterans, active-duty service members, and surviving spouses. $0 down, no PMI, and competitive rates.
$0 down financing for eligible rural and suburban properties. A strong option for buyers targeting Winter Garden area communities.
Financing above conventional loan limits for luxury and higher-value Central Florida properties. Tailored terms for strong-credit borrowers.
Rate-and-term refi, cash-out refi, and streamline options. Whether you want a lower payment or access to equity - we'll show you what makes sense.
Before joining NEXA Mortgage, Al Morell spent 23 years in VP Sales and Marketing roles within the vacation ownership industry - including a decade as a Fortune 500 Regional Director. That background in high-stakes negotiation, customer relationship management, and complex financial structuring translates directly to the mortgage process.
Most loan originators know rates and programs. Al understands how businesses and lenders think - and uses that perspective to position your application for the strongest outcome possible.
Married to Leslie since 1984, three children, and deeply rooted in the Winter Garden and Ocoee communities he serves.
Read Full Bio →23 years in vacation ownership - Fortune 500 Regional Director experience, high-volume sales leadership
Brought corporate sales and negotiation expertise to residential lending
NMLS #1660690 - Winter Garden & Ocoee, FL. One of the largest mortgage brokerages in the US.
Married to Leslie, 3 children. Community-rooted approach to every client relationship
Placeholder testimonials - illustrative of feedback from satisfied mortgage clients. Not attributed to specific individuals.
"As a first-time buyer, I was overwhelmed. Al walked us through every step, explained each document plainly, and we closed in [demo] days. The whole process felt guided - not rushed."
"We used our VA benefit for the first time. Al knew the program inside out and made sure we didn't pay a dollar we didn't have to. We closed with $0 down and couldn't be happier."
"The cash-out refi was Al's idea - he ran the numbers with us and showed us exactly how the equity access would pay for the renovation. Three months later the project is done. Excellent guidance."
Whether you're buying your first home, moving up, or refinancing - let's look at what programs fit your situation.
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