Nicole Francis


NMLS #345159

NV Lic #64085


Nicole Francis is extremely dedicated and passionate about helping clients on their journey to purchase or refinance.  A deep level of trust and comfort is established with her clients who know from the first conversation their mortgage needs will be taken care of for life.  She takes true pleasure in the process of educating not only first time buyers, but highly sophisticated clientele and loves nothing more than seeing the plan they co-create come to fruition.

It is no surprise that her hard work and over 15+ years’ experience has resulted in her recently being ranked by Mortgage Professional Magazine as being one of the  top 1% of mortgage originators in the nation. Nicole carries deep knowledge and a wealth of experience about the nuances of lending in multiple markets that truly set her apart from other lenders. 

Taking the “If it can be done, we can do it” approach, she sees there is no loan that is too difficult to consider as she loves to use her creative thinking ability to problem solve. She and her team stay a step ahead of the curve using all of the latest products, tools, and technology which provide a very fluid and customer experience.

While she really does love to work in her off time, you will either find her playing in the mountains or the surf, travelling the globe, or studying healing modalities.


  • I recently did a re-fi with Nicole and I am tremendously happy with the result. Her attention to detail and tenacity made saving over $119 a month and paying more toward the principal a simple thing for me. The rate I got was excellent, in fact better that I thought possible at the time. I could not be happier with my loan and the friendly service Nicole provided to me during this time period. I recommend her to all that desire a new mortgage.
    — Randolph G.
  • It is very overwhelming buying a house. Nicole and her associates were wonderful supporting me through the process of this new purchase. Nicole took the time to understand my needs and offered me several loan options allowing me to make the best decision for me. She also handled requests with the agent and others, always keeping me in the loop. Nicole met all commitments and was focused on meeting the closing date on the contract. Nicole made me feel secure and taken care of during the entire process. Thank you Nicole.
    — Paula E.
  • Nicole Francis, as the point person for her team, was wonderfully proactive during our entire loan process. We had entered the purchase process with another lender, but when we ran into difficulties with that lender meeting deadlines and being difficult to contact, we got in touch with Nicole. She told us she could close a loan in 3 weeks, we made the decision to place our trust in her, and she and her team came through exactly when they said they would. Highly, highly recommended.
    — Jim M.
  • When the house I was renting went to market, I thought there was no way I could afford it. The realtor suggested I call Nicole, and I'm very glad that I did. She is a miracle worker! Nicole takes pride in her job, and she was always available throughout the entire process. She kept me positive when I was ready to give up, and was able to approve my loan and now I'm a home owner! Nicole is a great person to have in your corner. Always professional and understanding, I would highly recommend Nicole to assist you with your loan. Thanks again!
    — Jeff F.
  • I had called several firms and Nicole was the only one willing to take the time to explain the process so that I felt comfortable. She reviewed my financials and provided sound, easy to understand advice to ensure speedy approval. Her company had great tools and excellent communication throughout the entire process. They worked around my busy schedule completing the entire transaction over email / phone. I would highly recommend Nicole Francis and her team for any lending needs!
    — Victoria G.
  • As a first time home buyer with non-standard financial circumstances, getting a mortgage was not going to be a slam dunk for me. Enter Nicole Francis: from the first phone call, she was friendly, professional and knowledgeable, and most importantly, I felt like she was on my team and 100% committed to helping me get a loan. Thanks to her expertise in situations like mine, I was able to get -not just any loan- but a product that suited me and my needs perfectly, with a great rate. And now I'm a homeowner. I highly recommend talking to this local expert before going to a big corporate lender.
    — Steve D.
  • We had a bad experience with a big box bank. They had too many layers of bureaucracy to deal with us in a genuine way. Now meet Nicole Francis. Kind, responsive, helpful, willing to work around our schedule and our need to get us the house we wanted. They worked things out in a personal way understanding the peculiarities of our property. Thank you Nicole. Choose them and you will choose right for a new home, new hopes, and the new future you are looking for.
    — Nick L.
  • Nicole and her team were truly amazing at helping me obtain my loan for a second property. Nicole had faith in my situation and delivered the human touch in lending that the large lenders don't have. Nicole's trust, faith and relentless hard work have made her something incredibly unique in an environment where that just really doesn't exist. Her service, dedication, ease of being able to contact and knowledge of the industry will make me use her again no matter what my lending needs might be.
    — Kenneth B.

Client Wins

Family Values
Back on Track
Perseverance Pays Off
Not Just a Number


Phone: 800.975.5412 ext 103

Mobile: 775.846.1839

Fax: 844.817.8848

3500 N. Sepulveda Blvd. Suite E

Manhattan Beach, CA 90266

  • Hidden
  • This field is for validation purposes and should be left unchanged.