Nexa Mortgage
Scott Berkley, Loan Officer NMLS #1995397

Could a Reverse Mortgage help you live happily by day,  & sleep well at night?


What are the 3 most important features of a Reverse Mortgage?

#1 Feature

of a Reverse Mortgage

1.  You can use the proceeds for anything, completely tax-free!  Pay off debts & bills, including your current mortgage, go on trips, spoil the grandkids, help your heirs with what they need now… whatever!

#2  Feature

of a Reverse Mortgage

2.  You don't have to pay off the reverse mortgage in your lifetime as long as you continue to reside there, keep the property maintained, and stay current on your yearly property tax and hazard insurance.

#3  Feature

of a Reverse Mortgage

3.  When the loan is paid off, you or your heirs will never be "upside down" on the loan.  In fact, with housing prices almost always increasing over time, you will likely have plenty to pass on to your heirs.

Our Promise

We evaluate your situation to find the best funding options with the best terms.

Are you tired of Mortgage Companies and agents that over-complicate things, don’t explain your options well, or tie up your time inappropriately? Don’t worry. Scott Berkley/Nexa Mortgage has what you’re looking for. 

We offer:
 Simple and easy Reverse Mortgage Advice
 Online Access 24 Hours/7 Days
✓ Clear and Easy to Follow Explanations & Offers 

Don't settle for a Reverse Mortgage Company that isn’t giving you the type of service you’re looking for.
Call Scott Berkley 801-613-3746 to book an appointment and get your first Consultation absolutely FREE, no obligation! 

Our Services

When you work with us you get:

Reverse Mortgage Information
Let us assist you in determining if a Reverse Mortgage is right for you. There are several different types of Reverse Mortgages and based upon your situation we will advise and offer what is best option for you.
Dedicated Attention
We provide personalized Consultation and Services to all of our clients.  You will have a committed Advisor that helps you determine what is best for you.  You can rely upon them to offer the best advice and guidance.
Have an open and honest discussion on a Reverse Mortgage with Scott Berkley of Nexa Mortgage. Let's see if it is a good fit for you. Call today to make an appointment.



See what people are saying about Scott Berkley and Reverse Mortgages.

Deanna W.

Thanks so much Scott for all your help in getting this done. We appreciate you taking care of us in this process.

Elizabeth M.
Scott Berkley was exceptional! He kept us informed and on task; made the process easier; very encouraging and excited for us; helped us obtain paperwork for my husband who is self-employed. We also recommended him to our son. 

Jim W.

Scott was very professional aned very cooperative. I would highly suggest anyone to use him. He was very honest. 

Linda H.
Scott Berkley was so professional and made sure we had what we wanted and needed from our reverse mortgage. It was an easy process. We would recommend him and his company to anyone interested in getting a reverse mortgage. 

Phil G.
Our reverse mortgage allowed me to retire years earlier than I was anticipating by paying off our mortgage. We live comfortably now, and I love retirement!

Blake M.
Scott Berkley has been a great help in walking us through the reverse mortgage application process. After determining this would be a good for us, Scott has helped us every step of the way. No pressure, and he has shown genuine concern for us and financial future.

Connect with Scott Berkley Today! 


Are Reverse Mortgages insured by the Government? 

Yes, the US Department of Housing & Urban Development insures reverse mortgages, so when the property is sold, you will never owe more than the proceeds from the sale. I.E. never be "upside down"   For more details on HUD's support for reverse mortgages, see their site at

Traditional Reverse Mortgage

Are you looking for the best way to turn your home equity into cash? For seniors aged 62 and older, our reverse mortgage services can ensure financial stability for many years to come. If you have avoided looking into a reverse mortgage company in the past due to your own preconceived notions, or the opinions of those in your sphere of influence, now’s a good time to research them further. I will help you determine whether or not a reverse mortgage is a good fit, and is so, when is the best time to utilize one. 

Retirement Planning 

When growing older, we want to ensure that our needs and our family needs are provided for, with no surprises.  Our Loan Officers can help you with a Reverse Mortgage Plan, so that you can rest easy and know that in case of any kind of financial emergency, you and your property are shielded from any misappropriations or conflicts. 

​​​​​​​We can assist in the long-term financial assistance that a Reverse Mortgage can offer, and help in that process so you get what you need.

Our Firm...

Corporate Office


Get Reverse Mortgage Advice for What You Need


Myths About Reverse Mortgages

Myth: The bank will own my home. 
Fact: This is one of the most common misconceptions we hear about reverse mortgages. Just like any mortgage or home equity loan, you continue to own your home, with your name on the title. 

Myth: Reverse mortgages are designed to take advantage of retirees. 
Fact: Reverse mortgages are specifically designed to help retirees. Many people are living longer - and they're rightfully concerned about outliving their retirement savings.
The ability to leverage home equity can provide a sense of security and financial support. The industry is also highly regulated. Any lender offering reverse mortgages must follow strict state and federal guidelines and regulations that are in place to protect borrowers

Myth: Reverse mortgages are a last resort. 
Fact: Many savvy homeowners use a reverse mortgage strategically — for example, as a safety net in case of emergencies. Think of it this way: There are different types of loans for different situations and stages of life — student loans, first-time homebuyer loans — and this is a loan designed specifically for people age 62 and older, to give them more financial flexibility. In the past, many reverse mortgage borrowers were “house rich and cash poor.” But in recent years, a lot has changed. There have been a number of product advances that have made reverse mortgages more attractive, and financial advisors have developed effective strategies for using a reverse mortgage as part of an overall retirement plan and is an important option to be considered. 

Who We Are

Nexa Mortgage has been proudly providing Loan Services in Utah for years.

Nexa Mortgage was founded so Consumers can have better rates and service and every product possible to solve ALL home ownership needs.  We’re committed to providing consultation and advice on loan services that are simple, comprehensive, and easy to understand.  

We want to help you with your future, both for yourself and your family.  Let us make that difference for you!

Why get your reverse mortgage through Scott Berkley with NEXA Mortgage?  

NEXA Mortgage is the country's largest completely wholesale mortgage broker, consisting of over 1,000 loan officers who have contracts with over 120 lenders, each of whom specializes in various types of mortgages, including reverse mortgages.  We are your one-stop shop for the best products with the best terms.

Meet Scott Berkley 

Scott Berkley

Scott has 25 years experience as an accountant, not a saleman. So his focus is on the numbers, not pushing products. Known for his integrity and insight, he can ultilize the breadth of the Nexa Mortgage team to get you what you didn't even think was possible.


Call me today to book your free consultation.
Don’t wait too long!  I look forward to talking with you soon!
Frequently Asked Questions
What is a Reverse Mortgage? 
A reverse mortgage is a loan product that allows senior homeowners (62+) to convert home equity into cash. Most reverse mortgages are provided by the Federal Housing Administration (FHA), as part of its Home Equity Conversion Mortgage (HECM) program.
How Does a Reverse Mortgage Work?
With a reverse mortgage, you receive money from your mortgage company as a loan secured against the equity in your home. The money is paid to you in a lump sum, through a line of credit, or as monthly payments. Fees and interest are charged on the loan amount (or “loan proceeds”); therefore, over time the loan balance increases and your home equity decreases.
What are the Benefits of a Reverse Mortgage?
A reverse mortgage lets you use the value of your home to provide a source of income while allowing you to stay in the home. It may be an effective way to benefit from the money you’ve invested in your home over the years.
Local Address
1266 E Snowcreek Dr. 
Layton, UT  84040


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