You found me
Same number. Same phone.
Same playbook that worked the first time.
Nick Nagy. California mortgage broker. 23 years in. Family-built operation out of Southern California — LA, San Diego, the Inland Empire.
Glad you looked me up.
NN
Nick Nagy
California mortgage broker · Since 2003
Still the same guy. Still answering the phone.
A quick reintroduction
If we worked together once, you already know how I do this.
I've been writing California mortgages since 2003. Twenty-three years. Through every rate environment you can think of, the record lows of 2021, the spikes of 2023, and everything in between. I've closed purchases for first-time buyers in their 20s and refis for clients in their 70s. Same approach every time: pick up the phone, explain the math, and only move forward when it actually makes sense for you.
The operation is family-built. We're not a call center. There's no queue of loan officers competing for your file. When you text me, you get me. When something goes sideways on a deal, you get me on it personally — usually within the hour. That part hasn't changed in 23 years and it's not going to.
I run lending under Xpert Home Lending and real estate under Xpert Home Realty. Both licenses active, both in California. If your last deal with me was 2014 or 2017 or 2022, the credentials are the same and so is the standard.
I pick up the phone. I tell you the truth about the math. And we only move when it works for you.
Market read
What I'm actually seeing out there right now.
Ground truth from live files. Not the headlines.
Rates: down from the peak, not at the bottom. Pricing swings on credit and loan-to-value, which is why two neighbors with the same house get two different quotes. The plan matters more than the headline number.
SoCal home values: mixed by submarket. LA County and OC are flat to slightly down year over year. Inland Empire holding firm. San Diego still tight on inventory.
On the ground: equity-out refinances are pencilling for clients who bought 2018-2021. First-time buyers in the IE are winning deals with seller credits covering closing costs. Jumbo is competitive again. And more move-up sellers are buying before they sell instead of gambling on a contingent offer.
What I help with
Every situation I see in a typical month.
If your situation is on this list, we can talk math in 15 minutes and you'll know whether moving forward makes sense.
Buying before you sellUnlock the equity in your current home, buy the next one first, move once. My flagship structure.
Home purchaseFirst-time buyer, move-up, or move-down. Conventional, FHA, VA.
RefinanceRate-and-term when the math actually works. No pressure when it doesn't.
Equity-out / cash-outRenovation, debt consolidation, investment capital. We'll run the breakeven.
Investment propertySFR, 2-4 unit, DSCR loans. Long-term hold or BRRRR.
Helping kids buy their first homeCo-signing, gift funds, family pledge structures — done dozens of these.
Helping parents downsizeReverse mortgage alternatives, bridge loans, simultaneous close strategy.
Jumbo loansSoCal jumbo is my home turf. Competitive terms, fast underwriting.
Tools
Run the math yourself first.
Three tools I built so you can sanity-check your situation before you call anyone — including me.
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Buy-before-you-sell calculator
See what you could buy before your current home even lists. Real buying-power math from your equity.
Run the math?
What's my move?
Eight common stuck situations, and the structure that gets each one moving. Find yours.
Find your door=
Self-employed playbook
Business owner whose tax returns don't tell the whole story? See how your file actually qualifies.
See how it worksOff the clock
Family first. SoCal life. Same person you'd grab coffee with.
I'm a dad. The business is built around being one — which is why my kids know what a rate lock is and why I'm at every game on the calendar. Home base is Southern California, where I grew up. Beach in the morning, mountains by the afternoon, mortgages in between.
You don't have to know any of this to work with me. But people who looked me up tend to want to know who they're calling. So: I'm the same guy you remember. Still here. Still answering.
Recent wins
What the last few months looked like.
Anonymized snapshots. Real clients, real outcomes, last 90 days.
Month 14
Bought at the 2022 peak. Refinanced when the math finally worked. Breakeven at month 14. Same client referred her sister the next week.
24 days
Couple in their late 20s. Conventional, with seller credits covering closing costs. Keys in 24 days from offer to close.
$310K out
Past client from 2017. Pulled cash for a kitchen remodel and an investment-property down payment. Equity working harder.
Talk to Nick
Three ways to reach me. Pick whatever's easiest.
All three go to me. Not a queue, not an assistant. You get me, usually within the hour during business hours.