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Nicole Romero
Loan Officer NMLS# 2177238
6723 Academy Road NE, Albuquerque, NM 87109
Let’s find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
Conventional
A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance
If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA
If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
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Testimonials
Working with Nicole was one of the greatest things especially when you don’t know what to expect when buying your first home. She was able to be professional with me along with being able to explain & answer any questions or concerns about this whole process. I would highly recommend working with her on researching different loans out there!
Nicole is a very patient & professional lender that I would highly recommend to anyone who is looking to find one. With her patience & knowledge, she was able to help me apply for loans that would allow me to find a perfect home for me & my family.
Nicole hands down was the best! She was the only lender willing to help myself and husband get a loan! Everyone else said I was about 6 months to a year out didn’t even bother to let me explain that my credit was going up since I paid my debt off! Nicole listened worked with me did the what if scenarios and we were able to get into our first home! She was the absolute best! Communication was on point she made sure any questions I had she made sure she gave me the correct information and that I fully understood! Thank you Nicole for everything seriously our family and I appreciate you sooooooo much!!!!
Nicole made the whole process of buying a home a breeze. She answered all of my questions and was there for me every step of the way. Could not recommend her enough. Thank you Nicole!
I worked with Nicole Romero on the purchase of my first home and she got the job done! We had got turned down before by a different lender. She went above and beyond what we expected! Nicole explained step by step with us and answered all our questions! I strongly recommend her to anyone she did a great job for me and my family.
I had the pleasure of working with Nicole Romero as my home loan agent, and I couldn't be more impressed. Not only was she incredibly helpful, going above and beyond to ensure I got the best deal possible, but her warmth and kindness made the entire process a breeze. She was always available at all times. Even late times after work hours. Nicole's dedication and expertise truly set her apart, and her positive attitude was a breath of fresh air. I highly recommend Nicole to anyone in need of a top-notch home loan agent.
NMLS ID #2177238
I am authorized to do business in the state of New Mexico.