Many people describe the mortgage lending process as a tangled maze, difficult to navigate and understand. Between searching for the best rates, figuring out what lending program and company can get you approved, and closed on time....the whole process can be overwhelming. Because Next Gear Mortgage is a Broker company we are able to help you in all kinds of situations. Whether you are refinancing, wanting a VA loan, buying a mobile home, buying your first home, or just starting over after a bankruptcy we have a loan program for you. With hundreds of different home loan programs we provide individual service, and assist in finding the best deal for you while keeping it simple.