Your Local Lenders For Life
Ready to turn your dream into an address? Whether you're a first-time buyer or moving up, we'll guide you through every step —from pre-approval to closing day. Let's find the perfect loan that fits your budget and gets you those keys faster.
Lower your monthly payment, tap into your home's equity, or switch to a better loan term. If rates have dropped or your financial situation has improved, refinancing could put more money back in your pocket every month.
See how we can help
Pre-Approval Services
Getting pre-approved shows you exactly how much house you can afford and makes your offers more competitive. It's like getting a green light from your lender before you start shopping, so you're not wasting time looking at homes outside your budget
Loan Program Guidance
With dozens of loan types available—from FHA and VA loans to conventional and jumbo mortgages—finding the right fit can feel overwhelming. A good lender helps match you with the program that works best for your income, credit score, and down payment situation.
Rate Shopping and Loan Terms
Even a small difference in interest rates can save or cost you thousands over the life of your loan. People want help understanding current rates, locking in the best deal, and choosing between 15-year, 30-year, or other loan terms that fit their monthly budget.
Reason to use the Chicks…
Expertise and Guidance
In-depth knowledge
Tailored advice
Problem-solving
Over 50 Years combined Lending Experience
Streamlined Process
Team coordination
Fewer delays
Clear communication
Advanced Technology
Better Access to Loan Options
Power of Brokering allowing access to several lenders, loan programs and rate options
Faster Approvals and Closings
Efficient documentation handling
Priority processing
Hybrid and Virtual Closings
Relationships with local title companies
Personalized Customer Service
Point-of-contact clarity
Support at every stage
Customizing Loan to meet your specific needs
Long-Term Relationship Building
Future financing
Personal resource for all Financing Questions
Meet the Chicks
Meet Nicole
With over 25 years of experience in the mortgage and lending industry, I’ve built a reputation for integrity, reliability, and personalized service. Throughout my career, I’ve helped hundreds of individuals and families navigate the home financing process with confidence—whether they’re buying their first home, refinancing, or investing in real estate.
NMLS #657951
Meet Monica
With over 30 years of combined experience in both the mortgage lending and title sides of real estate transactions, I am able to offer borrowers a well-rounded perspective and a level of expertise that sets me apart in the mortgage industry. This unique experience helps me to anticipate challenges, streamline closings, and ensure every step of the process is handled with accuracy, efficiency, and care.
NMLS #1905548
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