Nicholas Espinola

Loan Officer

Nicholas Spinosa

“You may have a million questions when you are buying a home, and I’m happy to help answer all of them.”

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Coming from real estate sales, Nick understands buying a home can be an exciting, yet nerve-racking, time. His mission is to guide each buyer along his or her journey to home ownership. Step by step, he is there to make sure members know all of their options and are comfortable with the many choices they will have to make.

Take advantage of:

  • No Cost, No Obligation Pre-Approvals
  • Our First-Time Home Buyer Programs
  • Unique Construction Mortgage Loans
  • No Closing Cost Mortgage Options
  • Refinancing Your Mortgage To A Lower Rate, Shorter Term Or To Take Cash Out
  • Loans For Members With Less Than Perfect Credit
  • Avoiding Private Mortgage Insurance (PMI) With Less Than 20% Down

You'll love our great rates

Mortgages

Rates**

APR

Payment per $1,000*

*Up to 80% Total Loan To Value. Other rates and terms available. Pmt Per $1,000 does not include taxes and insurance if applicable. The actual obligation will be greater than the payment shown.

** Rates are effective February 23, 2024 and are subject to change at any time. Conforming Purchase loan sizes up to $726,200.00 on one-unit properties. Conforming rates and APR based on $726,200.00 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. Jumbo rates and APR based on a $726,200.01 Purchase loan amount with FICO credit scores of 740 and loan to value no greater than 75%. For adjustable-rate mortgages, rate may increase after consummation.

10 Year Fixed Conforming

Rates**

7.000%

APR

7.055%

Payment per $1,000*

$11.61

15 Year Fixed Conforming

Rates**

7.125%

APR

7.164%

Payment per $1,000*

$9.06

30 Year Fixed Conforming

Rates**

7.500%

APR

7.525%

Payment per $1,000*

$6.99

30 Year Fixed Jumbo

Rates**

7.500%

APR

7.525%

Payment per $1,000*

$6.99

Get in touch with Nicholas

Phone: 978-551-1846

Email:  [email protected]

NMLS ID: 1847446