Find your best loan in 3 minutes
Low rates. No lender fees. No surprises.
Answer a few quick questions. We'll match you with the right loan, price it live, and show you what Nichols Home Lending would recommend.
A few taps about the home, your down payment, and your credit range.
Your best-fit loans side by side, priced with today's live rates.
Get a clear recommendation, then get pre-approved or save your plan.
Our refinance guide is coming soon
In the meantime, these will help right now:
Save my plan
We'll send your loan plan, and our team can answer questions when you're ready.
You're all set, .
Your plan is saved. will follow up, and we'll let you know when rates move for your scenario.
Already know what you need?
Jump straight to a tool. Each one uses live pricing from our wholesale lender network.
Price cut or seller credit?
See whether the seller's money should lower the price, cover closing costs, or buy down your rate, based on how long you'll keep the home.
Compare my options →Should I buy down my rate?
Today's real rate options, from a lender credit to discount points, with your break-even and the best choice for your timeline.
Find my best rate →Compare Before You Commit™
Already have a quote? Enter another lender's Loan Estimate and see how it holds up against today's pricing.
Check my quote →What our clients say
“Consistently, Jon has proven that he can come up with the best deal to get to the closing table when chances did not seem likely, with some of the lowest fees I’ve ever seen, and provides a very smooth experience for the buyer.”
“Jon provided the most competitive rates in the market, was very responsive, and explained options throughout the process clearly.”
“Jon Nichols and his team were an absolute breath of fresh air to work with. We have worked with Jon on our most recent (two) transactions and are pleased to have found our life long lender.”
Your best loan is 3 minutes away.
No credit check, no sign-up. Just real answers from today's real rates.