Mortgages By Nikki
How to Get Pre-Qualified
Generally, a person needs to meet 2 of the 3 criteria to qualify for a mortgage. Our mission is to simplify the home buying or refinancing process by providing you with the knowledge and tools you need to make confident, informed decisions at every step.
Assets
This includes the cash you have for a down payment and reserves. The down payment is the upfront amount you pay toward the home, usually between 0% and 20% of the price, which helps you qualify for a mortgage.
Income
We evaluate the stability, consistency, and your ability to repay the loan by reviewing W2's, paychecks, tax returns, bank statements, or other proof of earnings.
Credit
Your credit score and credit report is vital, as it heavily influences the mortgage terms and interest rates you'll be offered by lenders, potentially saving you thousands over time.
Get in Touch With Us
From our comprehensive guides to personalized consultations, we are committed to breaking down the complexities of home financing. We take the time to ensure you understand all your options, enabling you to choose the mortgage that best fits your needs and goals.
Educate, Empower, Own:
Your Path to Homeownership
Hi, I'm Nikki with Mortgages by Nikki. Buying a house is a major milestone, and I'm here to make it as simple and stress-free as possible. That's why we've put together "The Ultimate Guide to Buying a House" just for you.
I began my career in outreach and education for food banks, teaching people how to maximize their financial resources. I bring that same dedication and passion to the mortgage industry, transforming obstacles into strategies for home-buying success.
Download our free resource guide to get started. At Mortgages by Nikki, education and empowerment are at the heart of what we do. Let’s achieve your dream of homeownership, together.
Read real reviews from our empowered homeowners discover how we helped our clients succeed.
Education and empowerment are at the heart of what we do.
