Nicky Hungerford
Loan Officer
At Universal Lending Home Loans we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinanci...... Show More
Location & Business Hours
Business Hours
Fri
9 AM to 5 PM
Sat
closed
Sun
closed
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
Nicky had confidence in us when we didn't have it for our selves,amazing communication and what a great experience ,she changed our lives forever,thank you Nicky and Pam for everything you guys did for us.i would recommend Nicky's services...
read more
We never thought that we would be homeowners again and then we met Nikki. She made this experience so relaxing and so rewarding. Nikki went above and beyond for us and we will always appreciate that. Thank you again Nikki for everything.
Reply from Nicky Hungerford
June 15th, 2026 06:53 PM
Terri, I'm grateful for your kind words and happy to hear that the experience was both relaxing and rewarding for you. It was a pleasure to assist you on your journey to becoming homeowners again. Thank you for allowing me to be part of this...
read more
Nicky made this whole experience absolutely incredible. She went above and beyond in every single way, and I truly appreciate all the hard work and effort she put in. I am so grateful that we chose her to teach us and lead us through this process....
read more
Reply from Nicky Hungerford
May 19th, 2026 05:36 PM
Hudson, I'm glad to hear that you found the experience so positive and that my efforts made a difference for you. Your appreciation means a lot to me, and I'm thankful for the opportunity to guide you through this process.
Nicky was so incredibly helpful in communicating and educating us on what needed to get done / when / why . Understanding all those things made this process so easy and fun, and it's all thanks to her.
Reply from Nicky Hungerford
May 8th, 2026 06:21 PM
Katheryn, I'm so pleased to hear that you found my communication and guidance helpful. Making the process easy and enjoyable for you was my goal, and I'm grateful for your kind words. Thank you for trusting me with this journey!
Nicky kept me from being stressed about the process. She’s very knowledgeable, easygoing, kind, and definitely kept me informed. She has a great team working with her as well.
We had a very positive experience working with Nicky and her team! She ran multiple scenarios and gave multiple pre-authorization letters for us over the two houses we were under contract on. Unfortunately, the first deal fell apart, but Nicky...
read more
She worked her magic in helping us receive the best rate possible in a very volatile market. Closing was a breeze! She was responsive to any questions we had day or night.
Nicky was irreplaceable in my first home buying experience. She was very responsive to all of my questions and helped a great deal with the entire process from application through closing. I was able to lock in a rate that was lower than I...
read more
Reply from Owner
October 11th, 2021 12:00 AM
Congratulations on your first home! Nicky works hard to make the home buying process an easy and enjoyable one. She loves to educate her borrowers so they make the best loan type for their goals.
From the very first call Nicky was incredible. Nicky was efficient, professional, thorough, and made me feel comfortable throughout the entire process.
Reply from Owner
June 4th, 2021 12:00 AM
We are so happy to hear how Nicky's professionalism and kept you comfortable throughout your mortgage process. Congratulations! Thank you for choosing Nicky and Universal Lending.
Nicky is a stand up no run around lender that will work as hard as you in every aspect of your loan process. She is extremely easy to work with and understanding of people needs. In all the stress and turmoil that comes with trying to buy a...
read more
Reply from Owner
May 19th, 2021 12:00 AM
Congratulations on your first home! What a lovely way you've described your experience working with Nicky. Thank you for describing the professional we know and love so well. We appreciate you taking the time to leave this review.
10 of 20
About
At Universal Lending Home Loans we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Universal Lending Home Loans offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Lender
FHA Home Loan
Mortgage Refinance
Search Rank ScoreLearn More →
286
/850
Search Rank Score
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
Memberships
- South Denver Chamber
- https://web.bestchamber.com/External/WCPages/WCWebContent/webcontentpage.aspx?ContentID=14033
- South Metro Chamber
Addresses and Serving Areas
Serving
Year Started
1998
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 278328
Achievements
- President Club, 5 Star professional
Hobbies
- Crafts
- Finding a cure for Multiple Sclerosis
- Swimming and sunchine
View All
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.