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Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Trina Hart Nichols

Trina Hart Nichols

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

Bio:

I'm a proud wife, mother, and 20-year veteran mortgage broker. In our home, my husband and I have raised children, hosted Thanksgiving feasts, celebrated graduations and birthdays and sometimes for no reason at all. Our home is much more to us than just brick and mortar and wood, and keeping it secure and affordable as an asset is something I take quite seriously.

The right mortgage is more than just the cheapest payment or lowest rate.

While these things matter, the right mortgage properly secures an asset that will serve your needs now and in the future. It can help provide for his college, her wedding, your retirement. It can be a secure place to grow equity into a legacy that can remain after we’ve gone, or it can be an investment in a bigger and brighter future. Together, we'll think strategically to create a savvy plan to reach your goals.

I take your mortgage seriously., because I take my mortgage seriously.

I listen. I ask questions. I solve problems which banks and other brokers may not have the experience, time, or attention to solve. I have access to hundreds of programs among scores of lenders, and I possess deep experience in finding the right fit whether your employment, income, property, or credit situation is simple or complex.

I’m lucky and grateful to have all my new clients come from my previous clients. This allows me to run my business with focus and intent on doing right by my clients; without the big advertising and lead expenses other lenders have. Short version: I keep margins low and am more than simply “competitive”, economically speaking.

I set out every day to be the mortgage professional I would insist upon if I were in your shoes.


Phone: (314) 789-8907

NMLS#: 553927

License: IL

Spoken Language: English

Mortgage Rates

Why are our rates so low?

  • 1. We shop dozens of the top lenders in real time to find you the best rate.
  • 2. Loan Factory was the #1 Mortgage Broker in the US in 2021 & 2022. Because of this volume, we can negotiate ridiculously great rates with lenders.
  • 3. Our profit per loan is much lower than others. I know that if I give you an amazing rate, term, and service you will share your experience with others.

Our Accomplishments

$12.2+

Billion in Closed Loans

express

Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Re-finance Low Rate

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan As rate is updated in real time from lenders, your refinance plan will just get better.

Re-finance Cash Out

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

Why Us

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

Contact us today

Your home is one call away. We will get back to you immediately.

CONTACT US NOW

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