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WHO WE ARE

OUR WHY

Joe — Founder, NXT Step Solutions Real Estate & Mortgage Group


Joe is a highly experienced real estate and mortgage strategist with more than 25 years in the Southern California real estate market, specializing in advising high-net-worth buyers, real estate investors, and luxury property clients. As the founder of NXT Step Solutions Real Estate & Mortgage Group, Joe has built a firm focused on delivering strategic acquisition guidance, sophisticated financing solutions, and high-level advisory services for clients seeking to expand and protect their real estate portfolios.

Throughout his career, Joe has developed a reputation for identifying high-value opportunities and structuring transactions that maximize long-term equity growth. His expertise spans luxury residential properties, investment acquisitions, portfolio expansion strategies, and complex financing structures, allowing his clients to leverage real estate as a powerful wealth-building vehicle.

Joe’s unique advantage lies in his dual expertise in both real estate brokerage and mortgage financing, enabling him to structure deals with a deeper financial perspective than the typical real estate advisor. This integrated approach allows him to guide clients through strategic purchasing decisions, leverage optimization, and market timing, ensuring each transaction aligns with their broader investment objectives.

Serving clients throughout Los Angeles County and the greater Southern California region, Joe works closely with business owners, seasoned investors, and luxury homebuyers who expect discretion, efficiency, and expert-level guidance. His approach is consultative and data-driven, focused on helping clients secure assets that preserve capital, generate long-term appreciation, and build generational wealth.

Known for his strong negotiation skills, market insight, and commitment to excellence, Joe has become a trusted advisor for clients seeking more than just a real estate transaction—they seek strategic counsel in building and expanding a sophisticated real estate portfolio. 

OUR PROMISE

When it comes to finding a mortgage lender to help you with your next home loan, we know that you have many options.  When you choose to work with us, we promise to provide faster closings, better service, and some of the lowest wholesale interest rates in the industry. 

MEET THE family behind the brokerage

Joe Fernandez

Nidya C. Anaya

Nidya C. Anaya

Real Estate & Mortgage Broker

NMLS# 457670 | DRE: 01361792

Nidya C. Anaya

Nidya C. Anaya

Nidya C. Anaya

Real Estate & Mortgage Maven

NMLS# 2190521 | DRE: 02007898

Juan J. Serrano

Alex A. Fernandez

Alex A. Fernandez

Mortgage Loan Coordinator 

 NMLS# 1255951

Alex A. Fernandez

Alex A. Fernandez

Alex A. Fernandez

Real Estate & Mortgage Advisor

NMLS# 2579797 | DRE: 02229589

Darin Holt

Jonathan Zepeda

Jonathan Zepeda

Real Estate & Mortgage Advisor 

NMLS# 695670 | DRE: 01760744

Jonathan Zepeda

Jonathan Zepeda

Jonathan Zepeda

Real Estate & Mortgage Advisor

NMLS# 1570600 | DRE: 02089660

Kacy Barlow

Tanya Sierra

Tanya Sierra

Loan Officer | NMLS# 2278867

Tanya Sierra

Tanya Sierra

Tanya Sierra

Real Estate Agent

DRE: 01789915

Jasmine Garcia

Jasmine Garcia

Jasmine Garcia

Real Estate Agent

DRE: 01893193

Jasmine Garcia

Jasmine Garcia



Family-run, Family-focused.

HELPING FAMILIES IN

California

California

California

oklahoma

California

California


VIALOS Partners, INC. dba: NXT Step Solutions is a California Corporation. Licensed under the 

California Department of Real Estate LIC. 02172262 NMLS: 2286835, State of Oklahoma Licensed of Authority Office of the Administrator of Consumer Credit License #MB016997


Copyright © 2024 Nxt Step Solutions - All Rights Reserved.   

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