John Rainey, Sr. Account Executive / NextUs Lending / Alt-Doc J (NextUs Lending) Mortgage and Lending



John Rainey
Sr. Account Executive / NextUs Lending / Alt-Doc J
location_on Irvine, CA — NextUs Lending
NMLS Lic #269293
Get to Know John Rainey

I’m a Wholesale Account Executive at NextUs Lending where we have a unique line of Non-QM home financing solutions with unbeatable pricing. I assist mortgage brokers with their hard-to-prove income clients -- Owner Occupied as well as investment homes too. We offer the best in DSCR loans, 12 and 24 month bank statement loans, JUMBO loans, asset depletion loans and solutions for clients with recent credit events. Message me today and let's find the best in Non-QM for your clients!


A former high school and college football standout, John approaches mortgage lending the same way he tackled challenges on the field – with the leadership, knowledge and trust it takes to get clients to their ultimate goals.

“From application to funding, John provides high-quality personalized service, taking the time to fully understand client situations and secure the right mortgage products.

“Whether purchase or refinance, John skillfully coaches clients through each transaction step-by-step,” says Area Sales Manager Frank Blakeley. “His integrity demands attention to even the smallest detail, so the customer is always well-informed and empowered.”

John’s concierge-style mortgage consulting is backed by the Bay Equity team, including cutting-edge technology and in-house underwriting to ensure smooth, on-time closings.

Born and raised in California, John attended Laguna Beach High School and Saddleback College, earning a full football scholarship to Wingate University in North Carolina. He captained the offensive line while earning his bachelor’s degree in communications.

John is also known for his leadership roles in regional charities, including the VA Long Beach Healthcare System and the Salvation Army’s H.O.P.E. Village Program.

John enjoys hiking, traveling, and exploring local culture with his wife, Jazmin.



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