Clear options.
Confident decisions.
Explore financing for your goals, with guidance that makes the next step easier to understand.
Your next move.
Let’s talk about
what’s possible.
Buying, refinancing, or just figuring it out?
Start with a conversation with our team.
YOUR FAMILY. YOUR FUTURE.
A place to call home.
For the people you love.
What is Nick’s Lending, and who provides mortgage services?
Nick’s Lending is Nick Cunningham’s personal marketing brand for mortgage education and guidance. Mortgage services are provided through Golden Bay Mortgage Group. The site helps you explore buying, refinancing and home equity, ask questions and start a conversation. Loan decisions remain subject to underwriting, credit and property approval.
Nick’s Lending: our story and provider disclosureFind the right path for your next move.
First-Time Home BuyerA place to start. A plan to get there.Explore optionsBuying My Next HomeMake room for what comes next.Explore optionsInvestment PropertiesYour first rental. A clearer plan.Explore optionsRelocatingA new place. A familiar guide.Explore optionsReverse MortgagesStart with your questions.Explore optionsDoctor LoansExplore up to 100% financing.Explore optionsVeteran ProgramsExplore buying with no down payment.Explore optionsRefinanceTake a fresh look at your mortgage.Explore optionsHome EquityHELOC & fixed second mortgages.Explore optionsBridge LoansPlan the timing between two homes.Explore options
Why choose Nick’s Lending?
It starts with you.
Clear options.
A real person.
In your corner.
Talk through your questions with our team, wherever you are in the process.
From your first question
to your next chapter.
Plan your purchase, refinance, or equity needs around the life you want to build.
Featured family · October 2026
A first home worth preparing for.
Careful saving, a patient search and a payment that fit helped Yasandra find her first home in Roseville.
Meet YasandraClient reviews
The people make it personal.
What it felt like to ask questions, make decisions, and take the next step with our team.
Read client reviews →A first home. A lasting impression.
Questions welcomed. Answers that came quickly.
We thought we were being a pain because we asked so many questions, but the team always responded quickly and took the time to answer them. We also closed early! That made buying our first home even more exciting.
Steven & Miranda
First-time homebuyers · Lincoln, California
Read their homebuying story →First-Time Home Buyer
Less guesswork.
More confidence in your first home.
You don’t need to figure out your first mortgage alone. Let’s turn the questions about your budget, down payment, and timing into a plan you can act on.
- Know what a comfortable payment looks like
- Understand your options before you make an offer
- Have a real person to call when questions come up
Doctor Loans
Your career took commitment.
Your home loan should understand that.
Explore doctor loans with up to 100% financing for qualified medical professionals. From residency to an established practice, let’s talk through your income, student loans, and what comes next.
- Explore whether you qualify for no-down-payment financing
- Put your employment contract and career stage in context
- Compare the full payment and costs with a person in your corner
Up to 100% financing is available through certain physician-loan programs for qualified borrowers. Eligible professions, loan limits, locations, and terms vary by lender; availability for your situation requires confirmation. Closing costs and reserves may still apply. Example lender program.
Veteran Programs
You’ve served.
Let’s put your homebuying benefit to work.
Buying a home with no down payment may be possible with a VA loan. We’ll help you understand your eligibility, what you can comfortably afford, and the steps from here to home.
- Explore your no-down-payment options
- Understand a loan without monthly mortgage insurance
- Get a clear picture of closing costs and your next steps
No down payment may be available to eligible borrowers, subject to entitlement, appraisal, and lender requirements. Closing costs and a VA funding fee may apply. VA purchase-loan details.
Investment Properties
Your first rental.
A clearer path to getting started.
Want a simpler way to approach your first rental property? Start with a person who can help you connect the property, the financing, and your goals—before you commit.
- Define what to look for in an income property
- Review expected rent, expenses, and cash needed
- Compare financing options and build a practical next-step plan
Rental income, expenses, property condition, and financing require individual review. Estimates are not a guarantee of returns.
Alternative Income Loans
Your work. Your investments. Your next move.
Bank Statement Loans
Your business earns income in its own way. Explore a mortgage that uses eligible bank deposits to help document what you earn.
Explore bank statement loans →DSCR Investment Loans
Let’s look at the property’s rental income, the full payment, and the cash you want to keep available.
Explore DSCR loans →Connections before mortgages
Big plans.
Small questions.
We’re here for both.
Tell us what’s on your mind. Buying, refinancing, or exploring your options starts with a conversation.
✓ Your goals first✓ Room for questions✓ A personal conversation
Prefer another way? Call us · Email us · Send a note