About Us

Who we are

Nicolas Mortgage and Financial Services, Inc. was founded in 1996 with one important mission – to provide comprehensive lending services to consumers throughout their lifetimes. Nicolas Mortgage and Financial Services, Inc. has served over 1,000 customers. We are headquartered in Milpitas, CA.

Nicolas Mortgage and Financial Services, Inc. provides the right combination of quality products, competitive rates, and passionate service. Our heritage of personal, honest attention has evolved into a unique process focused on integrating your loan into your overall financial plan and insuring a smooth closing process with no surprises.

We are a full service lender, meaning not only do we offer you the most competitive rates but we also coordinate the steps involved in the loan process – arranging for an appraisal or contacting an attorney. Your loan officer and processor will be your contacts throughout your entire process. One phone number and an unwavering commitment equal the professionalism you deserve.

Customer satisfaction will remain our number one priority. Since its founding, Nicolas Mortgage and Financial Services, Inc. has made tremendous investments in people, technology and processes that create a better experience for customers. Rest assured that you are working with some of the nation’s top-ranking loan officers: we understand and respond to our customers need’s.

What we offer

Our Mortgage Loan Specialists provide expertise in a wide range of traditional mortgage programs including:

Why you should get your new-home mortgage or refinance now

Interest rates remain near historic lows. We couple that with low lender fees and the comfort that comes from having a dedicated partner to speak with throughout the mortgage process.

What’s more, whether you need a new-home mortgage or refinance, your monthly costs can be lowered – sometimes dramatically – due to the present interest rate environment. Don’t wait to call us. A small time investment could result in a large amount saved.