Nick Nagy

I have spent 23 years in California lending holding two licences at once. One to originate the mortgage, one to practise real estate. That is unusual, and it is most of why I am useful.

Most loan officers have never sat on the listing side of a deal. They have not written the offer, argued an appraisal, or watched a transaction come apart over something that had nothing to do with the loan. I have. So when your agent and I talk, we are talking about the same deal rather than two halves of one.

I place files through Loan Factory, Inc., which gives me something a single-lender shop cannot: a real field of options instead of one product menu. When a file does not fit the first lender's guideline book, the answer is not no. It is the next lender.

Everything here is checkable

Verify the mortgage licence at NMLS Consumer Access and the real estate licence on the California DRE public record. You should check these for anyone you are about to hand your financial life to.

Southern California, and the rest of the state

I am based in Southern California and work Riverside County, the San Gabriel Valley, the San Fernando Valley and San Diego most often. I am licensed across California, so where in the state you are buying rarely limits what I can do.

The files I get called about

• Self-employed and bank statement. When tax returns are written to lower taxable income and do not tell the real story.
• VA. Including the entitlement and seller-concession rules most buyers are never walked through.
• FHA. Low down payment, gift funds and the credit realities behind them.
• Conventional. The default route when it genuinely is the best one.
• Jumbo and high-balance. Above the conforming limit the file is read differently: reserves, documentation, the appraisal.
• DSCR and investor. Qualifying on what the property earns rather than on personal income.
• Buy before you sell, and bridge. Structures that let you write the next offer without a sale contingency.
• ADU income. Lots and properties with more capacity than the current house uses.
• Inherited property. Trusts, buyouts between heirs, and the timing that comes with them.
• Builder financing. Reading a new-construction offer and the incentive attached to it.
• Second looks after a denial. Send me how the last lender calculated it and I will tell you whether another one reads it differently.

Two ways in

Written for specific markets

• Murrieta home loansThe True Payment Check, so the number you plan around is the real one.
• Temecula home loansThe Move Math, for going from the house you own to the one you want.
• Menifee home loansThe Builder Deal Check, for reading a new-construction offer properly.
• San Gabriel Valley home loansThe Strategy Map, for multigenerational and multi-unit files.
• San Fernando Valley home loansThe Offer-Ready Check, for buyers competing on the same listings.
• Clairemont, San Diego home loansThe Property Potential Check, for lots with more capacity than the house uses.
• The Answer DeskStraight answers to the questions California buyers actually ask.

Profiles and public records

• Loan Factory profile
• Zillow lender profile
• LinkedIn
• California DRE licence record
• NMLS Consumer Access

Loan Factory: 20,907+ Google reviews · 5.0 published average · 237 lenders

Who is Nick Nagy?

A California mortgage broker with 23 years in California lending, holding NMLS #314880 and CA DRE #01444600, placing files through Loan Factory, Inc.

What is your NMLS number?

314880. Verify it yourself at NMLS Consumer Access.

Are you a lender or a broker?

A broker, through Loan Factory. I do not have one set of products to sell you. I place your file with whichever of 237 lenders fits it best.

Why does the real estate licence matter?

Because most of what goes wrong in a transaction is not the loan. Holding both licences means I can see the whole deal and talk to your agent as a peer rather than a vendor.

Do you only work in Southern California?

I know Southern California best and work it daily. I am licensed across California, so where in the state you are buying rarely limits what I can do.