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NSH Mortgage

Quick and Easy Mortgages Loans

Low Credit Score? We can get you approved!

"Mr. Hays helped in ways that I cannot explain or fully appreciate. He was kind and professional; he is patient..." - Louis Baptiste, Tallahassee, FL

“What took one lender 6 months to achieve, Steve had redone, in order and closed in just a matter of a few weeks!” - John S., Seminole, FL

Steve Hays | NSH Mortgage | Mortgage Broker In Florida | Tampa Bay

Steve Hays

Steve Hays has served as Florida’s local Mortgage Lender for over 25 years and is currently the president and founder of NSH Mortgage. His years of diversified experience and success in mortgage origination and management has lead him to be an award-winning mortgage professional with a demonstrated history of success. He founded Apex Lending, Inc. in 1999 and was instrumental in establishing Apex Lending as one of the top 10 Mortgage Brokers in the country. Steve is results oriented, self-motivated, reliable, personable, and ready to assist you with your Mortgage Lending needs.

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Get Pre-Approved Before Shopping for A Home

Before you begin the process of purchasing a new home, make sure you won’t have to worry about being approved for a Mortgage Loan. The stress of waiting for approval after finding your dream home can be daunting. Let us relieve some of that stress by getting you pre-approved quickly and easily!

  • Every mortgage lender will promise you the lowest rate, but rates are constantly changing every day.
  • Use our NSH Mortgage Calculator to get an idea of what your mortgage should be and let us help you get approved for the lowest rate.
  • Waiting to get approved can be costly, stressful, and may even result in losing your dream home.
  • Don’t wait until it’s too late to get approved, get pre-approved TODAY to lock down the lowest rate possible!


Florida Home Loans | Mortgage & Purchase Loans | NSH Mortgage Lender

Home Loan

Unsure of the mortgage that will work best for you? Having a tough time understanding all of the options? Learn more about the current home loan options in Florida today.


Have you checked today's interest rates? Are you eligible for a refinance in Florida? Our team will review and execute your refinance at the correct time, which can in turn save you thousands.

FHA Loan

Looking for a low down payment home loan? An FHA Loan in Florida,  allows home buyers a loan option with a down payment as low as 3.5%, government-backed, and easy to refinance.

VA Loan

Are you a veteran, member of the military, or a surviving spouse of a veteran? A VA Loan provides you with a mortgage option that has no down payment, no PMI, and an immense amount of refinance flexibility.

Stated Income Loan

Self-employed? Trouble Documenting your income? A Stated Income Loan in Florida allows the borrower to simply state their income, rather than providing pay stubs, W-2 forms, income tax returns, and other records.

First-Time Home Buyers Guide

Thinking of purchasing your first home? Our First-Time Home Buyers Guide is the best place to start for a new home buyer in Florida especially when looking to fully understand the processes related to buying a home.



The NSH Mortgage Experience

    review rating 5  Mr. Hays is a World Class Professional, he is extremely helpful and always responsive. He saved me over $15K in upfront cost. I would not only reccomend but insist that you give him a try. I will always use him in the future for personal and investment opportunities.

    thumb Louis Baptiste

    review rating 5  steve hays and his team are just plain awsome!! after getting the run around from another lender i reached out to steve with a few concerns about previous lender and he was incredibly professional and clear about what was going on. what took one lender 6 months to acheive steve had everything redone and in order and closed in just a matter of a few weeks! to give these guys anything other than a 5 STAR would be insulting. they should get 10. cant thank you guys enough for everything you have done! keep up doing this excellent work!

    thumb school boss

    review rating 5  NSH Mortgage is top-notch. Being a new home buyer, I was unsure of the process and Steve was friendly and helpful every step of the way. The paperwork was easy to manage and the response time from NSH was almost immediate. During a stressful time of buying a new house, I was comforted to know that I was in knowledgeable hands. With the ease of doing business, the superior customer service, and the professional expertise, I'd recommend NSH Mortgage to anybody needing a home loan.

    thumb Julie H