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.
Headshot
Current photo of Nick
placed here.
placed here.
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 — sub-3 in 2021, 8s in late 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.
This week's market read
Where rates and home values actually are right now.
Real numbers from this week. Not the headlines.
30-year fixed (conventional): trading in a tight range. We're seeing par pricing depending on credit and LTV. Down from the peak but not at the bottom yet.
SoCal home values: mixed by submarket. LA County and OC are flat to slightly down YoY. Inland Empire holding firm. San Diego still tight on inventory.
What I'm seeing on the ground: equity-out refinances are pencilling for clients who bought 2018-2021. First-time buyers in the IE are getting into deals with seller credits and 5% down conventional. Jumbo is competitive again.
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.
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 rates, fast underwriting.
FHA / VA / ConventionalEvery program I'm licensed for. We pick the one that fits, not the one that pays best.
Free tools
Run the math yourself first.
Three calculators I built so you can sanity-check any deal before you call anyone — including me.
$
Mortgage payment calculator
Principal, interest, taxes, insurance, PMI. Real PITI for any California county.
Run the math%
Refi savings calculator
Plug in your current loan and a new rate. See the breakeven month and lifetime savings.
Check savings=
Equity-out calculator
Estimate available equity, new payment, and what the cash-out actually costs over time.
See the numbersOff 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.
$487/mo
Bought in 2022 at 6.875%. Refinanced into the low 5s. Breakeven at month 14. Same client referred her sister the next week.
5% down
Couple in their late 20s. Conventional with seller credits covering closing. 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. Payment up $620/mo, 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.