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Your Trusted Guide toHome Financing

Nicholas Smith is an accomplished and dedicated Loan Officer at Security First Financial, with a proven track record of helping clients achieve their financial goals. With expertise in the mortgage industry and a commitment to personalized service, Nicholas guides clients through the loan process with professionalism. Leveraging years of experience, he assesses unique needs and tailors loan solutions to align with long-term objectives.

Nicholas's attention to detail and in-depth knowledge ensure comprehensive guidance throughout the home financing journey. Known for exceptional communication skills and a genuine passion for empowering clients, Nicholas works tirelessly to secure advantageous loan options while providing a smooth and transparent experience. As a trusted advisor, he takes pride in delivering unparalleled customer service and financial expertise to every client served.

Nicholas Smith

Loan Officer | Security First Financial

Nick Smith

Trustworthy HomeFinancing Services

"Nick was friendly, professional, readily available, and made my loan process painless. I have zero complaints and can't wait to move to my new home!"

Tessa M, Littleton, CO

"I like the way Nick Smith expedited the loan process. He made it nice and easy and smooth sailing. He was quick to return my calls and answer questions And he even got me a better interest rate in these crazy interest rate days."

Jose H, Aurora, CO

"Nicholas was professional and always available to answer any and all questions. The home purchase process could have been a stressful experience however this was not the case. He is definitely right where he needs to be. I will definitely be back for future investments if it means that I will get to work with him again."

Kristephano, Colorado Springs, CO

"I am a first time home buyer, and Nicholas and his team were incredibly responsive, answered all of my questions at every step of the process, and made things incredibly easy and streamlined for me. I appreciated the professionalism, the speed of responses, and also how well Security First Financial knew local laws and down payment assistance programs to help me get the best possible deal set up for my house."

Victoria C, Aurora, CO

The Lending ApprovalProcess Simplified

Understanding the lending approval process is crucial when navigating the world of real estate. At True Realty, we recognize the significance of this knowledge, which is why we strive to simplify the process for our clients. With clear explanations and expert guidance, we break down the lending approval process, empowering our clients to confidently pursue their dreams of homeownership. Let us demystify the complexities and provide you with the tools and understanding needed to make informed decisions every step of the way.

The True HomeLending Process

Credit Assessment

Before you embark on your homebuying journey, it's important to assess your creditworthiness. Our team will help you understand your credit score and provide valuable insights into improving it if needed.

Credit card payment

Document Gathering

To ensure a smooth lending process, we'll help you gather all the necessary documents required for your loan application. This includes income verification, tax returns, bank statements, and any additional documentation specific to your situation.

Working with documents

Loan Options

Based on your financial analysis, we'll present you with a range of loan options tailored to your unique needs. Whether you're looking for a fixed-rate mortgage, adjustable-rate mortgage, or specialized loan program, we have the right options for you.


Client Selection

Once you've reviewed and compared the loan options, you can choose the one that best fits your budget and long-term goals. Our team is here to answer any questions you may have and provide guidance throughout the decision-making process.


Underwriting And Loan Approval

After you've chosen your loan option and completed the necessary paperwork, we'll submit your application for loan approval. Our dedicated team will work diligently to secure the best possible terms and ensure a timely approval process.

Closing the deal

Start Shopping

Once your loan is approved, it's time to turn your homeownership dreams into reality! With the financing in place, you can start shopping for your dream home confidently, knowing that True Realty has helped you secure the best loan option for your needs. Apply Now

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Lending Blog

After Home Loan Approval: What's Next?09.11.23

After Home Loan Approval: What's Next?
As you navigate the process of applying for a home loan, it's essential to understand what comes next. In this [...]

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