Smart Lending, Simple Solutions
Right Property, Right Mortgage
At Eagle Nexus Lending, we simplify the journey to homeownership by offering personalized loan solutions tailored to your needs. From pre-approval to closing, our expert team will guide you through every step, ensuring you secure the right financing with our lenders who offer competitive rates and flexible terms. Whether you're a first-time buyer, upgrading, or investing, we provide the expertise and support to make your dream home a reality.
Let’s find the perfect loan for you—because the right home starts with the right financing.
Top 3 Reasons to Choose
Eagle Nexus Lending
for Your Home Loan
Eagle Nexus Lending
Rick Raanes
NMLS #2475226


Loan Options
Conventional
5% Minimum Down Payment
FHA
3.5% Down Payment
VA Loans
Available to Eligible Veterans
USDA
0% Down Payment in Rural Areas
Top 5 Questions Buyers Ask their Lender (And, Best Answers)
We determine your affordability based on your income, credit score, debt-to-income ratio, and down payment. Getting pre-approved is the best first step, as it gives you a clear idea of your budget and strengthens your offer when house hunting.
We offer a variety of loan programs, including conventional, FHA, VA, and USDA loans. The right option depends on your financial situation, down payment, and long-term goals. We’ll guide you through the best choices tailored to your needs.
Down payments vary by loan type—conventional loans typically require 3-20%, FHA loans start at 3.5%, VA and USDA loans offer 0% down for eligible buyers. We’ll help you explore down payment assistance programs if needed.
Your monthly payment includes principal, interest, property taxes, homeowner’s insurance, and possibly mortgage insurance. We’ll provide a detailed estimate based on your loan amount, interest rate, and local tax rates.
The process typically takes 30-45 days, but it can vary based on loan type and required documentation. Getting pre-approved early helps speed up closing and ensures a smoother experience.


Welcome to “Rick & Brian in the Morning,” your new favorite weekly check-in for real estate insights, team-building tips, and business growth strategies—all powered by the Eagle Nexus ecosystem. Discover how a spontaneous trip to the Canadian Rockies sparked three powerful lessons every real estate agent should know. From unplugging to trusting the process and building financial systems, this post offers real-world takeaways to help you grow your business—and your life—with more intention and clarity.
Sometimes, the best real estate insights don’t come from a conference room—they come from a trail in the Canadian Rockies, or a quiet moment away from the inbox. That’s exactly what happened when Brian, one of our long-time Eagle Nexus leaders, took a last-minute trip to Banff with his wife, Holly. What started as a spontaneous vacation quickly became a source of unexpected clarity on what it means to grow a real estate business—and a life—with purpose.
Here are the three biggest takeaways from his trip, and how they translate into real estate best practices for agents at any stage of their journey.
In real estate, the line between “on the clock” and “off” is razor-thin. But as Brian realized during his trip, true productivity requires intentional rest.
“Leah kept catching me responding to messages on our database during the trip and said, ‘Just stop.’ She was right.”
Whether it’s a weekly day off, a monthly unplug weekend, or a fully disconnected international getaway, building scheduled decompression into your business plan is essential. It's not about escaping your business—it’s about protecting your long-term performance.
Real estate tip: Schedule a “No Showings” day each week and communicate it to your clients. Use it to handle errands, personal growth, or simply rest. Your business (and your brain) will thank you.
On a whim, Brian and Holly ventured off the main tourist track to a place called Abraham Lake. A random trail marker pointed them 3 km toward an unknown destination. With no plan and a little hesitation, they followed it anyway—and ended up discovering the most beautiful, untouched waterfalls of their lives.
“If Holly knew how far it actually was, she might’ve turned back. But sometimes, not knowing the whole path is a blessing.”
In real estate, the journey is just like that hike. You may not see the final destination. You may not have the perfect marketing strategy yet. But if you trust the process—the calls, the follow-ups, the CRM work, the education—you will see the payoff.
Real estate tip: Lean into the systems already built for you (hello, Nexus pathways 👀). Don’t reinvent the wheel—just follow the worn path to your own “waterfall moment.”
The ability to take that trip—and enjoy it without guilt or stress—came down to one thing: financial systems.
“We started living off 50% of our income. The rest went into savings and business reserves. That’s what allowed us to say yes to the trip without hitting the credit cards.”
For solo agents and team leaders alike, profitability isn’t just about commissions—it’s about what you keep. Brian’s advice to new agents: Before you launch your business, set aside $10,000 as a 6-month runway. And once you’re earning, allocate your income intentionally.
Real estate tip: Follow the Eagle Nexus budgeting model:
25% to expenses
50% to personal living
25% to savings and investments (including future trips 🌍)
Maybe it's financial freedom. Maybe it's more time with your family. Maybe it's hitting ICON. Whatever it is, the path is waiting—and it’s already been cleared by those who’ve gone before you.
At Eagle Nexus, our job is to show you that trail. Your job? Take the first step.
Ready to hike your real estate path with us?
Connect with a coach, attend our next training, or visit TheEagleNexus.com for tools, systems, and clarity.
Let’s go find your waterfall. 🏞️
Rick and Brian are looking to feature agents across the country. Got a story to share or a topic you want covered?
📩 Email: [email protected]
Ready to go under the hood of your business?
Explore our platform at www.TheEagleNexus.com and discover how we’re helping agents turn knowledge into action—and action into results.



www.theeaglenexus.com | 281-960-1900 | 4576 Research Forest Drive, Suite 200, The Woodlands, TX

We are a team of passionate and dedicated real estate agents. With 50+ years of experience in the industry, we have built a strong reputation for delivering exceptional service and results to our clients. Whether you are a first-time homebuyer, an investor, or looking to sell your property, we are committed to guiding you through the entire process with professionalism, integrity, and personalized attention.
We understand that buying or selling a home is one of the biggest decisions in your life, and we are here to ensure that you have a seamless and stress-free experience. With a deep understanding of local market trends and a vast network of resources, we will go above and beyond to help you achieve your real estate goals.
4576 Research Forest Dr. Suite 200
The Woodlands, TX 77381
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