Nick Pray
Loan Officer
NOVA HOME LOANS has served the needs of homeowners and homebuyers since 1980. We are able to originate loans in 12 states. In 2001, we merged our flexibility as a mortgage broker with the efficient service of a mortgage banker & broker to ... Show More
Location & Business Hours
Business Hours
Thu
8 AM to 5 PM
Fri
8 AM to 5 PM
Sat
8 AM to 5 PM
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Reviews from Web
Nick was very prompt in his communication and was always available for questions. Made the whole process much easier on us. Would highly recommend.
Reply from Nick Pray
September 25th, 2026 02:29 PM
Kyle, I'm pleased to hear that my communication and availability made the process easier for you. Thank you for recommending me and trusting Nova Home Loans with your needs.
Nick was great as usual! He is always there to answer my and my client's questions. He is patient and knowledgeable and does whatever he can to get my client to the closing table. Our experience with underwriting team at Nova was less than...
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Reply from Nick Pray
September 9th, 2026 03:07 PM
Lisa, I appreciate your feedback and kind words about my support during the process. I'm sorry to hear about your experience with the underwriting team, and I understand how frustrating that must have been. Please feel free to reach out to...
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Nick was very responsive thoughout the entire process and had great communication. He made everything easy to understand and helped to make the overall experience smooth and stress free. I really appreciated how easy he was to work with.
Reply from Nick Pray
September 2nd, 2026 03:23 PM
Brian, I'm glad to hear that you found the process smooth and stress-free. I appreciate your kind words about my communication and responsiveness. It was a pleasure working with you at Nova Home Loans!
Fast and efficient. Good communication, always responds anytime questions were asked. Got us what we needed to get the house we wanted. Thank you!
Reply from Owner
October 15th, 2024 12:00 AM
Thank you immensely for your positive feedback, Frank! We are thrilled to hear about your experience.
As a first time home buyer, everyone expects you to know everything about the buying and selling process.Not Nick, he is there to break everything down for you and with you! He made our experience seamless.He was extremely helpful in giving...
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Reply from Owner
October 15th, 2024 12:00 AM
We're absolutely thrilled to hear about your seamless experience with My Team at Rate! Thank you for your review.
I worked with Nick on obtaining a mortgage. My budget was a little tighter than I'd have preferred but Nick and the rest of the team at Guaranteed Rate went above and beyond to ensure we landed at a monthly payment that was within our budget....
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Reply from Owner
September 21st, 2024 12:00 AM
We're overjoyed to hear about your positive experience working with Myself and the team at Guaranteed Rate. Congratulations on closing your dream house!
Nick was great to work with. His professionalism and attentiveness made securing our loan straightforward and efficient. Highly recommend if you are looking for a seamless process.
Reply from Owner
September 16th, 2024 12:00 AM
Thank you for sharing your positive experience, Benjamin. We are elated to hear that my team and I made the loan process straightforward and efficient for you.
Nick was always happy to help answer questions from the beginning to the end. I would get replies almost any time of day in only a few minutes. His whole team was extremely helpful throughout the whole process.
Reply from Owner
July 2nd, 2024 12:00 AM
It was such a pleasure to be apart of your first purchase!
Let's face it, getting a mortgage can be a headache. With that said, Nick and the team at Guaranteed Rate made the process a breeze. Not only was their portal user-friendly, but the Nick and the team were available at all times. They were quick...
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Reply from Owner
July 2nd, 2024 12:00 AM
They can be! Our job is to try and make them easier. Glad we can accomplish that.
Nick was great! He was willing to talk me through my options very thoughtfully, and he also got me the best total value for loan of all the lenders I talked with.
Reply from Owner
July 2nd, 2024 12:00 AM
It was a pleasure to help you! Thank you for your trust.
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About
NOVA HOME LOANS has served the needs of homeowners and homebuyers since 1980. We are able to originate loans in 12 states. In 2001, we merged our flexibility as a mortgage broker with the efficient service of a mortgage banker & broker to create a better way of lending. Efficiency and teamwork are the keys to our accelerated loan delivery. Loan applications are handled in-house from start to finish - eliminating the need to ship your application around the country for underwriting, approval and document preparation.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Mortgage Refinance
Specialities
First Time Homebuyers
FHA
PHFA
VA Buyers
Conventional
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Memberships
- Lancaster County Association of Realtors
- Mortgage Bankers Association
- LCAR
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2018
Time Zone
Eastern Standard Time (EST)
Licenses
- FL
- DE
- PA
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Awards
PHFA Top Lender
Achievements
- PHFA top Lender
Hobbies
- Golf
- Swimming
- Lounging on the beach
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Disclaimer
NNick Pray, Loan Officer, NMLS #1772055 | Licensed Mortgage Loan Originator in Pennsylvania, Florida, and Delaware. Licensed by the Pennsylvania Department of Banking and Securities. | Nova Financial & Investment Corporation dba NOVA® Home Loans, NMLS #3087 | Florida Mortgage Lender License MLD81 | Mortgage Lender Servicer License MLD1950 | Equal Housing Opportunity | Pre-approval is subject to credit and collateral approval and is not a commitment to lend. Information provided is for informational and educational purposes only. Programs, interest rates, and terms are subject to change without notice. Qualification requirements, property eligibility restrictions, and underwriting guidelines apply. All loans are subject to underwriting approval.