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I help people finance their homes with confidence, transparency and efficiency.

I’m a licensed mortgage professional and focus on providing you with unparalleled insight into your options, and getting you the best mortgage or refinancing in the most efficient way. I make sure your home financing process goes smoothly.

Maybe you want to achieve the dream of homeownership with your first home. Or, maybe you’re looking to buy a new home, or refinance.

Whether you’re interested in finding the best financial path to homeownership, or making smart financing decisions with an existing home, I can help you get there.

CONTACT ME

Wanting to buy a home? Find your path to “Yes”

“The Formula” for Home Buyers is for home buyers who are dissatisfied by their current, available home buying options. Instead of being told “no, you don’t qualify to buy a home,” get on a guided path to homeownership instead.

LEARN MORE

Home affordability hacks, 3 ways to buy 1 home

Home affordability is on everyone’s mind. But have you considered all of your options? In this video, I go through three scenarios of buying 1 property: 1) buying it as an individual or with a spouse, 2) buying it in a partnership with another person or family, and 3) buying it and creating a rental unit

What does rent vs. buy look like for 2024?

It seems like every other day there’s another sensational headline. But what are the facts? In this video, I break down the data behind rents vs. mortgage payments and do a comparison so that you can see what the landscape looks like.

What you need to know about mortgage rates today

Whether you are buying a home or refinancing, you want to know where mortgage rates are headed. The trouble is, lots of people are predicting things that are not helpful.

In this video, I discuss why you should stop being manipulated about bogus mortgage rate predictions, and discover how to know where they’ll go next.

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If you’re a homeowner or aspiring homeowner, my newsletter is packed full of original, helpful tips and insights.

From the best power tools to the most useful financial strategies, it’s timely, and delivers expert information to make your homeowner journey more enjoyable and financially successful than ever.

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Achieve the dream of homeownership
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About me

Hi, I’m Nicole Hamilton.

I’m a licensed mortgage professional. I’ve been in the mortgage business now for over 12 years.

My path is a bit unique as I was drawn to the mortgage industry during the great recession. I saw how people lost a lot of their net worth through market changes and opaque terms.

My mission is to make homeownership more achievable and affordable while creating a transparent and efficient process…

Read more >

Featured articles

Real estate as an investment
wealth and homeownership
home equity loans
Read more articles >

Featured videos

How to make homes more affordable

Pay attention to the housing market

What is 1 point on a mortgage?

View more videos >

Podcasts featuring Homeownering

The “Systems Simplified” podcast, hosted by Adi Klevit

“Fintech Next,” hosted by Sheela Ursal

“The Better Off Podcast,” hosted by CBS’s Jill Schlesinger

View more podcasts >

Client testimonials

"I’ve never seen or even spoken with anyone who can explain complicated financial concepts in a way that makes a person feel at ease... and like they are an equal."

- Kristin O., Alberta, CN
Homeowner - Homeownering
2022-12-30T15:00:12-05:00
"I’ve never seen or even spoken with anyone who can explain complicated financial concepts in a way that makes a person feel at ease... and like they are an equal." - Kristin O., Alberta, CN

“It was really important to be able to see the differences between my (refinancing) options really clearly, and getting the roadmap for the best way to go about it made it that much easier.”

- Michael O., Santa Fe, NM
Homeowner - Homeownering
2022-12-30T15:00:39-05:00
“It was really important to be able to see the differences between my (refinancing) options really clearly, and getting the roadmap for the best way to go about it made it that much easier.” - Michael O., Santa Fe, NM

“Very informative. You have reaffirmed some things and enlightened me on others. Important things I did not know.”

- Beatrice T., Denver, CO
Homeowner - Homeownering
2022-12-30T15:00:57-05:00
“Very informative. You have reaffirmed some things and enlightened me on others. Important things I did not know.” - Beatrice T., Denver, CO

“Your analysis and expertise helped me avoid making a costly mistake. I know where to turn now for my complex real estate finance questions.”

- William P., Baltimore, MD
Homeowner - Homeownering
2022-12-30T15:01:31-05:00
“Your analysis and expertise helped me avoid making a costly mistake. I know where to turn now for my complex real estate finance questions.” - William P., Baltimore, MD

"Getting a mortgage in these high rate times was intimidating to say the least. Nicole's guidance and knowledge became an educative and comforting resource where she patiently walked us through every stage and answered our many many questions. Instead of overwhelming us with information and feeling pressured into a decision, Nicole laid out enough for us to feel informed to choose a path that made the most sense for our situation and goals. I highly recommend Nicole and know she will be as helpful to others as she was to us."

- Jejon Y., Brooklyn, NY
Homeowner - Homeownering
2024-03-14T13:35:28-04:00
"Getting a mortgage in these high rate times was intimidating to say the least. Nicole's guidance and knowledge became an educative and comforting resource where she patiently walked us through every stage and answered our many many questions. Instead of overwhelming us with information and feeling pressured into a decision, Nicole laid out enough for us to feel informed to choose a path that made the most sense for our situation and goals. I highly recommend Nicole and know she will be as helpful to others as she was to us." - Jejon Y., Brooklyn, NY
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Homeowner - Homeownering