Specializing in Government loans, Conventional and Subprime / Alernative lending, including Reverse Mortgages for Senior citizens. Visit www.CapitalRegionLending.com for additional information.
Get to know LuAnn Nickles
Customer serivce is my #1 priority. Unlike the average loan officer, I have experience in all aspects of real estate and lending. I started off as a realtor. This experience proves invaluable to me when working with real estate agents to meet their needs. I then moved into lending where I began as an assistant to a high volume producer. This is where I learned all of the tricks to my trade. I then went on to assist the owner of a brokerage and then began processing loans for underwriting. This is experience that most loan officers lack and it gives me a competitive edge in knowing how to make a loan look good to an underwriter and get through the process quickly and smoothly, without unexpected delays. As a loan officer, I have experience origination FHA, VA, Conventional and Subprime loans. I work with each client individually to develop a plan that best meets their financial goals. If your not ready for a loan today, that's okay. I will take the time to educate you in advance so that when you are ready, you are in the best possible position for a smooth transaction. Call me today to discuss your goals.
First Time Buyers
100% No Money Down Financing
FHA Rehab Loans (allowing you to borrow more than the cost of the home so you can have money to make repairs and upgrades)
Reverse Mortgages (great for senior citizens in need of extra income)
No Doc loans (no need to prove employment)
Stated Income / Stated Asset loans (great for the self employed with hard to document income)
Cash Management ARM's (keep your payment low so you can invest your money elsewhere)
Conventional A Paper (best rates in the market for the typical W-2 employee with good credit)
Subprime (past credit problems are okay, solutions are available)