# DreamLux Home Loans
> “DreamLux Home Loans is a wholesale mortgage broker licensed in Missouri and Kansas, led by Zach Brown, NMLS #2156538. Originates statewide in Missouri and Kansas. Purchase, refinance, DSCR investor, FHA, VA, USDA, jumbo, physician, construction, bank statement, and down payment assistance loans priced across more than 280 wholesale lenders.”

- Canonical entity: https://directory.readyscan.ai/entities/dreamlux-home-loans-q139801080
- Website listed in the source snapshot: https://dreamluxhomeloans.com/
- Category: [Businesses](https://directory.readyscan.ai/directory/businesses)
- Machine record: https://directory.readyscan.ai/discovery/entities/dreamlux-home-loans-q139801080.json
- Material fingerprint: fnv1a64:6a6dd2e95d65e0bd
- Entity revision: fnv1a64:defe99ac7288bed6
- Published: 2026-10-22
- Modified: 2026-10-22

## Questions & answers
### [Is DreamLux Home Loans a lender or a mortgage broker?](https://directory.readyscan.ai/entities/dreamlux-home-loans-q139801080#company-answer-content-native-digital-agencies-c3280b58d507816a-a-91f24c90f225c7e3f3cf)
“DreamLux Home Loans is a wholesale mortgage broker, a DBA of NEXA Lending, LLC. Zach Brown shops each loan across the lenders NEXA is approved with and the borrower chooses the lender that funds it. DreamLux is not a bank and does not service loans.”
Sources: https://www.dreamluxhomeloans.com/

### [What does it cost to use a mortgage broker in Missouri or Kansas?](https://directory.readyscan.ai/entities/dreamlux-home-loans-q139801080#company-answer-content-native-digital-agencies-c3280b58d507816a-a-6b81ceffef96425d7f7a)
“Broker compensation is paid either by the lender through the rate or by the borrower at closing, never both, and it is disclosed on the Loan Estimate before you commit. There is no fee to get pre-qualified, compare options, or use the calculators on this site.”
Sources: https://www.dreamluxhomeloans.com/

### [Does DreamLux finance investment properties in Missouri and Kansas?](https://directory.readyscan.ai/entities/dreamlux-home-loans-q139801080#company-answer-content-native-digital-agencies-c3280b58d507816a-a-7abfdb9e897e682bf5d2)
“Yes. DreamLux offers DSCR loans that qualify on the property's rental income instead of your tax returns, plus conventional investor loans, bank statement programs, and cash-out refinances on rental property in both states.”
Sources: https://www.dreamluxhomeloans.com/

## Company sources
- [DreamLux Home Loans website](https://dreamluxhomeloans.com/) — dreamluxhomeloans.com
- [dreamluxhomeloans.com](https://www.dreamluxhomeloans.com/) — dreamluxhomeloans.com · [Related Ready Scan knowledge](https://readyscan.ai/sources/source-8c8fc06794fbf333)

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