"Communication and education are at the heart of how I work. I’m a mortgage lender who believes great lending is about more than just rates-it’s about guidance, strategy, and trust. I’m known for delivering five-star customer service and taking the time to truly understand each client’s goals, whether they’re buying their first home, investing, or building new. I’m well-versed in down payment assistance programs and specialize in structuring loans to minimize out of pocket costs whenever possible. In addition to conventional, FHA and VA lending, my experience includes both warrantable and non-warrantable condo financing, investor-friendly loans, vacant land, new construction and renovation projects—areas where attention to detail and deep product knowledge truly matter. I make every effort to attend closings in person, because being present for my clients and partners matters. My goal is simple: to make the mortgage process smooth, strategic, and successful so you can move forward with confidence."
Testimonials
"Thank you to Nicole for her assistance in our home buying process! We’d connected in 2022 and in 2023, but it was not the right time for us. We spoke again in February of 2025 regarding how my husband and I wanted to purchase a home this year. We were prepared! Nicole is very knowledgeable in the market and loves working with first-time homebuyers- like my husband and I. There were times I would reach out to her after work hours or even on a weekend with a question and she was very prompt and communicated with sincerity. She is the best and we are so grateful to have had her assistance in this process. Nicole is simply 10/10!!"
Nina M.
"Nicole was more than I would have ever thought to ask for. She went above and beyond for me. She answered all my questions and guided me through every step in the process. I had no idea what I was doing and Nicole really helped me feel confident and comfortable with the process. I will be recommending her to everyone I know who is looking to buy a home!"
Denise D.
"Nicole Milton was an example of what any lending specialist should be. She was very kind, compassionate, and really knew her stuff. She communicated very well and made buying my first home a smooth process. I would recommend her to anyone."
Kurlena B.
"Nicole couldn’t have made my first time home buying experience any better! Not only did she make sure I had the best loan that works for me, but she also took the time to thoroughly explain each step of the process. When starting this journey, I was so nervous by my lack of knowledge, but the moment I began working with Nicole, the stress went away, the confidence increased and I knew instantly that I was in good hands. She goes above and beyond every step of the way, and is truly a rare find. I am so blessed to have been able to work with her."
Breanna W.
"Buying my first home was a monumental milestone, and I couldn’t have done it without the incredible support of Nicole Milton and her amazing underwriter, Beth Belk. From start to finish, they made the process seamless, stress-free, and truly enjoyable. Nicole turned what I thought would be an arduous journey into an unexpectedly smooth and rewarding experience. Nicole was always available to answer my questions with patience and professionalism. She took the time to explain every step of the process in a way I could understand, which gave me so much confidence as a first-time homebuyer. Her expertise and dedication were unmatched. Beth, as the underwriter, worked tirelessly behind the scenes to ensure everything was in order. Her attention to detail and thoroughness were truly impressive. Knowing she was on my team gave me peace of mind during what could have been an overwhelming process. Together, Nicole and Beth make a dream team. Their combined knowledge, efficiency, and genuine care for their clients is a rare find. I’m so grateful for their guidance and hard work—they went above and beyond to help me achieve my dream of homeownership! If you’re looking for a lender who will not only get the job done but also make you feel supported every step of the way, I can’t recommend Nicole enough. She's simply the best!"
Tiffany T.
"Nikki was absolutely wonderful! I will continue to work with her as long as she’s available!! It was an amazing experience. It felt like we were partners working together to achieve the same goal. I highly recommend Nikki and Independent Bank. Thank you!!"
Dalaina W.
"Great experience!!! I had no idea what I was doing as a first-time homeowner, but Nicole explained everything to me and went above and beyond!! She even came to my closing in case I had any questions. I highly recommend Nicole and her staff!"
Chloe M.
"Nicole is the best! She’s patient and really cares about the well-being of her clients. Nicole is honest and I will continue to refer her to everyone I know!"
Shakira O.
"Nicole was great; she contacted me at every turn in the process and completed it in a very timely fashion. Looking forward to doing more business with Nicole."
Stephen B.
"Amazing communication!! Nikki always makes sure my buyers will get to the closing table. She is there for me during the whole process. I couldn't ask for a better lender!!"
Laura F.
"She stayed on top of everything and held our hand through the whole process. I appreciated that she clearly communicated everything that was going on and what to expect."
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