Nick Smith Back to Mortgage Loan Officers Nick Smith Senior Mortgage Loan Officer NMLS# 1263376 nick.smith@vacu.org Office: (804) 718-6973 Toll Free: (800) 285-5051 x6973 Fax: (804) 267-1433 Hi, I’m Nick, your local mortgage expert. Completing a purchase or refinance requires a collaborative, focused effort. With more than eight years of experience in the mortgage industry, I strived to make an often daunting, varied process more palatable. No matter the challenge, my team and I prioritize keeping each member informed and valued from start to finish. At VACU, I bolster and inspire members from various backgrounds and experiences to achieve their personal home objectives. I stay informed about market trends and consistently survey the latest products available to appropriately benefit each member. I was raised in Richmond, where I currently reside with my family. In my free time, I appreciate music, exercise, sports, and traveling to new places. Apply with Nick Why work with a VACU mortgage loan officer? As a local mortgage loan officer, I'm here to help you navigate the home financing process with confidence. Along with my personalized guidance and local expertise, I can assist with: Mortgages for your primary residence, second homes, or investment properties No-closing-cost options Home Equity and Home Equity Line of Credit (HELOC) options Adjustable-rate mortgages First-time homebuyer loans Low down payment options Specialty loans, including 100%-financing and jumbo loans Construction and construction-to-permanent loans What our members are saying: Loved working with Nick. He was able to guide me through the process, especially when to decide which type of loan to get. The process was smooth each step of the way. I had a lien on my property that [VACU] made me aware of and the loan officers were there with me every step of the way to get it cleared up and taken care of. Big kudos to Nick and Kevin. Very knowledgeable and professional. Thank you for all of your help! Services VACU offers: Whether you're new to homebuying or you've done this before, we can help. Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step. Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense. Home Equity Tap into the money you've already invested in your home to cover life's expenses. Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations. Ready to get started? I'm here to help find the right option for your unique situation. Apply with Nick Your Homebuying Knowledge Base See all Calculator Mortgage Payment Calculator Home Article 5 min 10 Ways to Make Your Home Feel New Home Article 6 min Financing Your Dream Home with a Construction Loan Home Video 7 min Watch: 9 Questions First-Time Homebuyers Ask Home Article 4 min Are You Ready to Buy a Home? Home Article 3 min What Is the Best Mortgage Loan for Me? Home Article 4 min How To Know When to Refinance Your Home Home Article 5 min What to Expect During the Mortgage Process Home Calculator Mortgage Savings Calculator Home Calculator Home Refinance Calculator Home Article 2 min What is Escrow and How Does it Work? Home Article 30 min Mortgage Acronyms Home
Loved working with Nick. He was able to guide me through the process, especially when to decide which type of loan to get. The process was smooth each step of the way.
I had a lien on my property that [VACU] made me aware of and the loan officers were there with me every step of the way to get it cleared up and taken care of.
Mortgages From finding the right home to closing on a mortgage with a competitive rate, we're ready to help at every step.
Refinancing Refinance to lower your monthly payments, change terms, or get cash out to use for a home project or other expense.
Get Pre-Qualified Know your budget while you're looking for your next home, and show sellers you're serious during negotiations.