Nicky Hungerford
Loan Officer | NMLS# 278328
At Lower, LLC 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, L... Show More
Location & Business Hours
Business Hours
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
Fri
9 AM to 5 PM
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Reviews from Web
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...
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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.
Nicky is personable, professional, and honest. She walked with us patiently through many questions and changes in circumstances. She went to bat for us with the seller when we needed her. Nicky is a joy to work with. We highly recommend her!...
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Reply from Owner
May 19th, 2021 12:00 AM
Thank you for taking the time to leave this review. Nicky is known for going to bat for her borrowers and she absolutely is a joy to work with- take it from us, we've worked with her for 13 years!
Nicky made our home buying process incredibly easy and straightforward. Whenever we had questions Nicky had thorough and quick responses so matter how silly our questions seemed, and we had plenty. I can’t imagine buying our first home with...
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Reply from Owner
October 13th, 2020 12:00 AM
That sounds like Nicky! She believes there is no such thing as a silly question and is always quick to respond. So happy you enjoyed your experience buying your first home. Congratulations!
Nicky was extremely helpful throughout the lending process. Her information was accurate and she provided excellent follow-up. I'd love to work with her again.
Reply from Owner
October 16th, 2020 12:00 AM
We are so glad you enjoyed your experience with Nicky. She is wonderful and we look forward to working with you again.
Nicky was an absolute pleasure to work with during the entire mortgage application and approval process. She was incredibly quick, responsive, and available whenever we needed anything. She would regularly check in with us, and provided excellent...
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Reply from Owner
October 16th, 2020 12:00 AM
Congratulations on your new home! That sounds like our Nicky. She loves what she does and it shows with her extra care and her very large extended family!
Nicky spend a lot of time working on making sure everything was done correctly on time and did a great job getting us a good interest rate and entire process she did a fantastic job
Nicky is absolutely amazing not only is she super helpful, nice and knowledgeable. She is very informative and doesn't hide anything she explain each step. She was able to help with my closing in less than a week.
Nicky came through for my buyers, she was professional and delivered results. She saved my buyers and made their home ownership a reality and a dream come true. Thank you for all you do!
I've worked professionally with Nicky for 9 years now and she has exceeded expectations at every turn! I used her for my own personal home purchase as well!! She is outstanding at guiding our clients through the loan process for their new homes!...
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About
At Lower, LLC 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, Lower, LLC 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
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Memberships
- South Denver Chamber
- https://web.bestchamber.com/External/WCPages/WCWebContent/webcontentpage.aspx?ContentID=14033
- South Metro Chamber
Addresses and Serving Areas
Primary Serving Area
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
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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.