Being prepared with the information that is needed for a smooth loan transaction can save valuable time. Nick will bring insight, highlight advantages, or share the other side of the story when it comes to changes happening in the mortgage industry, real estate industry, or other factors that may affect your purchasing decisions.
This saves valuable time in the loan approval process and avoids many unnecessary headaches. Call Nick at 480-999-0086 for a prequalified loan amount. See checklist to the left for required information. Covenant Home Loans is an Independent Mortgage Broker owned and operated by Nick Vallario.
This saves valuable time in the loan approval process and avoids many unnecessary headaches. Call Nick at 480-999-0086 for a prequalified loan amount. See checklist to the left for required information. Covenant Home Loans is an Independent Mortgage Broker owned and operated by Nick Vallario.
Services
We continually recommend Nick Vallario to our valued clients. We appreciate his expertise, ability and willingness to work with more than one lender to help us reach our goals. His dedication and commitment to servicing his client's requirements, coupled with his knowledge and experience in the mortgage industry make him an invaluable asset to our real estate business.
In addition, 3/8% in interest savings can mean more debt reduction on your home loan. After five years, on a loan amount of $250,000, you will have paid down your loan balance by an additional $1272 by having the lower rate. In summary, using the above scenario, an interest rate savings of 3/8% is going to put a minimum of $3449 in your pocket in the first 5 years.
Most current bank statements, all accounts that will be used for down-payment and closing costs. Please include all pages of the statement. Each borrower's profile is different. Some common profiles which can trigger the need for additional documentation are listed below, along with the required documentation per scenario.
Reviews (10)
Sarah Steen
Mar 03, 2021
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We have used Nick a few times over the years for multiple home purchases and refinances. We cannot say enough positive things about him! Each time the process was seamless. Nick is absolutely wonderful with explaining the process of the loan and reasons behind needed documents. He helps to explore all options to get us the best rate and save the most money. He is kind and quick to respond to questions. He follows through until the very end of the process, always checking in to make sure everything is going well. He is wonderful and we will never use anyone else!
Michele Cambria
Jan 27, 2021
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Dylan Arndt
Jan 23, 2021
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Joseph Cambria
Jan 17, 2021
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Jen Miles
Nov 13, 2020
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Positive: Professionalism, Responsiveness
Nick was great throughout our mortgage refi. He answered all of our questions and made us feel confident in the choices we made. The process took a bit of time and Nick was fabulous and kept us up to date with the whole process!! We totally recommend Nick to help you in your mortgage needs!!!
Nick was great throughout our mortgage refi. He answered all of our questions and made us feel confident in the choices we made. The process took a bit of time and Nick was fabulous and kept us up to date with the whole process!! We totally recommend Nick to help you in your mortgage needs!!!
Morgan Kuniej
Nov 09, 2020
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As first time home buyers, Nick was absolutely phenomenal to work with. When we initially started considering purchasing a home, we were doing a lot of research and after talking to 2 other mortgage brokers to dip our toes in the water, Nick was the clear and obvious choice of who would be best to work with.
He explained everything in a way we could actually understand it and made us feel fully confident in the process by teaching us about it along the way. He was crystal clear about where we may hit roadblocks during the buying process and how we could work together to avoid that.
He communicated
He explained everything in a way we could actually understand it and made us feel fully confident in the process by teaching us about it along the way. He was crystal clear about where we may hit roadblocks during the buying process and how we could work together to avoid that.
He communicated
Kyle Moore
Oct 21, 2020
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Positive: Professionalism, Quality, Responsiveness
Nick Vallario was great to work with and provided excellent service! He kept me informed from start to finish and made the refinance process smooth and easy. My loan closed timely without any issues. I would highly recommend Nick Vallario's services to anyone with mortgage needs.
Nick Vallario was great to work with and provided excellent service! He kept me informed from start to finish and made the refinance process smooth and easy. My loan closed timely without any issues. I would highly recommend Nick Vallario's services to anyone with mortgage needs.
Alex Lachot
Oct 02, 2020
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First time buying a house can be a daunting task. Luckily Nick at Covenant Home Loans made the experience incredibly easy. It seemed as though he was always available to take a call to help my wife and I through the process. From getting pre-approved at 8:30 pm on a Thursday night, to walking us through every step of the way - I recommend working with Nick! He's honest and hardworking two traits vital to me when putting A LOT of money into an investment. Thanks NICK!
Michael Terry
Aug 24, 2020
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Nick is very knowledgeable with the home buying process. He guided me through the whole process of my VA loan. He responded to all of my questions quickly and he never made me feel embarrassed for not having any experience with home buying. A true professional and cares for his clients. Anyone needing a home loan I HIGHLY recommend reaching out to Nick. Thank you for successfully getting me in my new home!
Hethyre Baez
Aug 16, 2019
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Nick is the best in the business. Honest, straightforward and tells it like it is. I've used him twice on buying my home and then re-financing. And everything went as smooth as silk. His experience is invaluable. He always has steered me in the right direction and gotten me the best rates possible. I always recommend Nick to my friends and colleagues. The experience is seamless and easy - as opposed to feeling like you are jumping through hoops with other brokers.
