Eagle Nexus Lending

Your Journey to Homeownership

starts Right HERE!!

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

Personalized Loan Solutions

We understand that every buyer’s financial situation is unique. Our expert team works closely with you to identify the best loan options, whether you're a first-time homebuyer, upgrading, or investing in real estate.

Competitive Rates & Flexible Terms

With access to a wide range of loan programs, we offer competitive interest rates and flexible terms to ensure you get financing that fits your budget and long-term goals.

Expert Guidance & Seamless Process

From pre-approval to closing, our dedicated professionals simplify the mortgage process, providing clear communication, fast approvals, and hands-on support to make home financing stress-free.

The Perfect 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

STILL NOT SURE?

Frequently Asked Questions

Top 5 Questions Buyers Ask their Lender (And, Best Answers)

Question 1: How much can I afford?

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.

Question 2: What loan options do I have?

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.

Question 3: How much do I need for a down payment?

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.

Question 4: What will my monthly mortgage payment be?

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.

Question 5: How long does the loan approval process take?

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.

Rick Raanes - Mortgage Loan Originator

NMLS #2475226

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Nexus Blog

Rick and Brian in the Morning: Episode 3

September 29, 20254 min read

Eagle Nexus News


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.

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🏔️ What a Hike to a Waterfall Taught Me About Real Estate

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.


1️⃣ Unplugging Isn’t a Luxury—It’s a Strategy

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.


2️⃣ Trust the Path—Even When You Can’t See the Waterfall

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.”


3️⃣ Financial Freedom Requires a System

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 🌍)


🌊 So... What’s Your Waterfall?

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. 🏞️


🎥 Want to Be on the Show?

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.

Rick and Brian in the Morning

LPT Realty

Navy Eagle Nexus Logo

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

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Eagle Nexus Real Estate Group

About Us

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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