Check your eligibility....

Check your eligibility....

Get Funded in Just 10 Days

Get Funded in Just 10 Days

See why homebuyers choose Nick Funds to purchase their home.

See why homebuyers choose Nick Funds to purchase their home.

Whether you’re ready to start looking for a home, have already found one you love, or just want to wait a little longer, we’re here to help! We can create the perfect plan and strategy to make your home purchase easy—no credit check needed.

Top Loan Officer and Real Estate Expert Since 2003

At Xpert Home Lending, our team has become synonymous with exceptional real estate financing. Specializing in mortgage lending and loan closings, we have empowered countless clients to achieve homeownership with bespoke solutions that resonate with their individual needs.

Holding a California Real Estate License and NMLS accreditation, our commitment to efficient, transparent processes is unwavering. As a seasoned Mortgage Loan Officer, the fusion of my expertise in business development with a client-centric approach has solidified our standing as a cornerstone in the community's pursuit of the American Dream.

See We're Rated (almost) 5-Stars!

We Make it Seemless. You Make it Yours.

We Make it Seemless. You Make it Yours.


We’ve streamlined homebuying — so you can buy your first or fifth home with confidence.

Buy with $0 Down

See if you qualify to save big in 2024 without a single penny out of pocket! One of our most exciting and popular programs

2024 Zero-Down Advantage

Speed through the homebuying process with FHA, Conventional, and VA loans — close in just 10 days to secure your offer

Investor Express 25

Fast-track your investment property purchase with just 25% down, no income verification, and no seasoned funds—close in 10 days and grow your portfolio!

Fixer-to-Fortune Pathway

Buy and transform a fixer-upper with just 3.5% down—finance both purchase and renovations, creating quick equity and rental income potential with ADUs.

Nick Nagy is a Real Estate Broker Licensed by the California Department of Real Estate

DRE #3148809 NMLS #314880