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From a client.

“When I first considered refinancing, I checked the internet websites. I spoke with the broker out of state. He is giving rates and fees way over my expectations. Also, I felt rushed. The broker is to going charge me thousands of dollars for the rate that I wanted.

I had asked a family friend for recommendations since they had recently refinanced their home. A family friend recommended Fred. he really gave me the attention that I was looking for. At first, I was a little skeptical with the no point no cost because frankly, I thought all brokers charges hefty fees. In the end, I didn’t pay a dime to refinance and ended up in the positive!


Fred get the lowest rate possible! I’m now referring Fred to my family and friends.”

Nicolas Mortgage gives you more to choose from.

Mortgage Options
Key Benefits
15 Year Fixed

Secure, low rate. Pay less over life of loan than loans with longer terms.

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30 Year Fixed

Low payment that never changes. Most popular choice.

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FHA Loans

Easier to qualify. Most flexible. Purchase or refinance loans.

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FHA Streamline

Preferred refinance choice for those with existing FHA Loans.

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Jumbo Loans

Loans $417,000 – $675,500

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