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About us

Let's embark on the journey of how it all started

Our pledge to excellence in providing personalized mortgage solutions for your unique path to financial success and homeownership.

Get in touch

Our Story

Jon Nichols
Branch Manager, Nichols Home Lending

After 28 years in mortgages, I learned one thing: the system isn't built for you. So we built one that is.

I've spent my career watching good people get treated like loan numbers. Buyers walking into a bank, hoping for a fair deal, and getting whatever that one bank felt like offering that day. Take it or leave it.

That never sat right with me.So we do it differently. As an independent, local broker, we don't answer to any bank — we answer to you. When you apply with us, we take your one application and shop it across 260 lenders, making them compete for your business. You don't chase the best deal. The best deal chases you.And because we know what it feels like to wait on a house you've already fallen in love with, we move fast. Our average closing is 16 days — not the 30 to 45 you'll wait somewhere else. That speed doesn't just get you your keys sooner; it makes sellers take your offer seriously.

But here's the part I'm most proud of.
Some of our favorite clients came to us on the worst day of their home-buying journey — under contract, packing boxes, and suddenly denied by their lender. Most were told the deal was dead.

It almost never is. We specialize in saving denied loans, and we approve 98% of the ones that land on our desk. There's nothing better than calling a family who thought they'd lost their home and telling them, "You're still closing."That's our story. But honestly, we'd rather be part of yours.

Let's talk — a 5-minute call, no obligation, no hit to your credit.

16 days

Avg. Closing Time

$1 Billion+

In origination

29+

Years of mortgage experience

HOW IT WORKS

Our simple home loan process

1
Pre-Approval

Share your financials to see how much you can borrow and at what rate.

2
Loan Application

Find a home within your budget and formally apply for a mortgage.

3
Lock Rate

Secure a fixed interest rate for your mortgage during the lock-in period.

4
Loan Processing

The lender verifies your details and appraises the property.

5
Underwriting

The underwriter reviews your application to decide loan approval.

6
Closing

Sign final documents, pay closing costs & officially own your new home.

Licensed in Texas & Maryland

Our team

Meet our team of mortgage experts

Jon Nichols
Loan Officer  |  NMLS #211393
Phone: 854-232-3423
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Mariah Nichols
Loan Officer  |  NMLS #2352908
Phone: 854-232-3423
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Your Home Loan Journey
Begins Here