Nick Morrone - Lower Mortgage

Nick Morrone - Lower Mortgage Mortgage Strategist | Helping Self-Employed & Investors Qualify with Custom Loan Solutions | Lower, LLC Restrictions apply. This is not a commitment to lend.
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Born and raised in the heart of Atlanta, Georgia, I am an Atlanta native with a deep-rooted passion for helping individuals achieve their homeownership dreams. With several years of experience as a loan originator, I have proudly assisted countless clients in navigating the complex world of mortgage. Throughout my career, I have had the privilege of working with a diverse range of clients, from fi

rst-time homebuyers embarking on their exciting journey, to seasoned professionals such as pilots and CEOs, building their dream homes from the ground up. Witnessing the joy and satisfaction on my clients' faces when they find their perfect home fuels my dedication to delivering exceptional service and results. Recently, I made the decision to join United Community Bank, a trusted financial institution that shares my commitment to excellence. This transition allows me to focus on specialized areas within the mortgage industry, including construction loans, jumbo loans, and financing options tailored specifically for healthcare professionals. By narrowing my focus, I can provide an even higher level of expertise and personalized guidance to meet the unique needs of each client. One of the standout programs offered by United Community Bank is our exclusive initiative designed to empower first-time homebuyers.* With this program, we have made homeownership more accessible by significantly reducing the required down payment. I am thrilled to be part of a team that prioritizes making dreams come true for those taking their first step into the world of homeownership. As a professional, I bring a wealth of knowledge and a meticulous approach to every transaction. I take pride in my efficiency and the ability to streamline the mortgage process, ensuring a smooth and timely journey to the closing table. By putting my clients' needs first, I build trust and long-lasting relationships, earning the privilege of being their go-to mortgage expert for life. Whether you are a first-time homebuyer, a seasoned homeowner looking to upgrade, or a healthcare professional seeking specialized financing, I am here to guide you every step of the way. With my expertise and United Community Bank's resources, we will navigate the mortgage landscape together, turning your homeownership dreams into a reality. Contact me today, and let's embark on this exciting journey together. Your perfect mortgage solution awaits!

*Not all borrowers will qualify. NMLS # 1795139| United Community Bank, NMLS #421841| Equal housing lender

Just connected with a local realtor whose client wants to purchase land and build. We discussed our fix-and-flip and con...
09/02/2026

Just connected with a local realtor whose client wants to purchase land and build. We discussed our fix-and-flip and construction hard money loans for investors. Reach out to learn how experience level shapes your down payment options.

Nick Morrone | VP of Lending | NMLS # 1795139
Lower Mortgage - Grayson, GA
[email protected]
678-367-1059
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09/01/2026

💼🏡 BUSINESS OWNERS: Your tax returns don’t always tell the whole story.
I recently worked with a self-employed borrower who wanted to continue expanding his real estate portfolio.
Using a traditional tax-return income calculation, the previous lender calculated approximately $100,000 per year in qualifying income.
But that wasn’t the only way this particular borrower could potentially document income.
His business bank statements showed months with approximately $40,000 in gross business deposits. Those deposits are not automatically considered qualifying income, but certain Bank Statement Loan programs may allow eligible self-employed borrowers to use business or personal bank statements as an alternative form of income documentation
After reviewing this borrower’s bank statements under the applicable program methodology, the calculation resulted in approximately $300,000 in annual qualifying income for this particular scenario.
Business owners often structure their finances very differently from W-2 employees.

🐐 Send me the complicated one. I’ll actually look at it.


Contact info! ℹ️
Nick Morrone
VP of Lending | Branch Manager
Lower Mortgage
450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews
(678) 367-1059
[email protected]
IG / TikTok: Nick Morrone - Lower Mortgage
YouTube: NickMortgageGoat
Nick Morrone NMLS 1795139
Lower NMLS 1124061

🌎 I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (except NY, VT, HI). Whether you or your clients are buying across the country, I’ve got you covered.
Equal housing Opportunity
Home lending products offered by Lower. Applications are subject to credit and underwriting approval. Programs, terms, rates, fees, and eligibility requirements are subject to change and may vary by borrower and property. Restrictions may apply. This is not an offer of credit or a commitment to lend.
Individual borrower scenario provided for educational purposes only. Results are specific to this borrower and are not guaranteed or necessarily typical. Bank Statement and other Non-QM programs are subject to program availability, underwriting guidelines

🏡✨ Congratulations, Emily what a wonderful move. After enjoying the condo lifestyle, Emily officially made the move into...
08/31/2026

🏡✨ Congratulations, Emily what a wonderful move.

After enjoying the condo lifestyle, Emily officially made the move into her first single-family home, and she picked a beautiful one!

From the gorgeous curb appeal and modern farmhouse-style exterior to the white siding, black shutters, brick accents, covered entry, two-car garage, and beautifully landscaped front yard, this home has so much character. ❤️

And one of the best parts? Emily now has more space, a big fenced yard, and plenty of room for her adorable puppy to run around and enjoy the new home too! 🐶🌳

There’s something special about watching someone move from their first chapter of homeownership into the next one.

Emily, thank you for trusting me again to help you with your next home purchase. It means a lot to have clients come back and allow me to be part of another milestone.

Congratulations on the beautiful new home — I hope you and the pup make a ton of great memories there! 🏡🔑🥂

Special shout out to Linda Saeliou Custer for her great negotiation skills and dedication to Emily!!

📞 CONTACT
Nick Morrone
VP of Lending | Branch Manager
Lower Mortgage
450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews

📞 (678) 367-1059
📧 [email protected]

Nick Morrone NMLS 1795139
Lower NMLS 1124061

🌎 I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (except NY, VT, HI). Whether you or your clients are buying across the country, I’ve got you covered.

Individual client experience. Results may vary. This is not a commitment to lend. All loans are subject to credit approval, underwriting, and applicable program terms. 🏡✨

08/31/2026

Happy Monday!
Scoreeeee $4
Got the new Dunkin tumbler, a bag of coffee, bacon & cheez omelette bites and a large brew of Caffe!!

I am loving all the free stuff I’ve been getting from Dunkin and Sephora and Whataburger and Domino’s and Little Caesars and Wendy’s

I’m sad it ends in about 10 days lol

08/25/2026

DSCR financing can offer:
• No traditional personal income documentation
• No W-2s or pay stubs
• No traditional employment verification
• No traditional personal DTI calculation
• Financing specifically designed for investment properties
For self-employed borrowers, business owners, investors with significant tax write-offs, or someone looking to build a rental portfolio, this can open up an entirely different conversation.
Are you a Chris?
Message me “DSCR” and let’s run the numbers.
Nick Morrone
VP of Lending | Branch Manager
Lower Mortgage
450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews
📞 (678) 367-1059
📧 [email protected]
Nick Morrone NMLS 1795139
Lower NMLS 1124061
🌎 I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (except NY, VT, HI). Whether you or your clients are buying across the country, I’ve got you covered.
Not an offer of credit or commitment to lend. All loans are subject to underwriting approval and guidelines, including acceptable credit, income, and property requirements. Programs, rates, and terms are subject to change at any time. Some restrictions may apply. ©2025 Equal Housing Opportunity.

RealEstateInvestor GeorgiaRealEstate AtlantaRealEstate AtlantaMortgage NickMorroneMortgage

08/25/2026

What a great morning in Gwinnett!

A big thank you to the Gwinnett Chamber for hosting such a wonderful breakfast honoring our congressional and community leaders.

It was a privilege to be in the room with members of the Georgia State House and Senate, Gwinnett County Board of Education, County Commissioners, business leaders, and community partners who are helping shape the future of our region.

For me, events like this are about more than just showing up.

They’re about building relationships, learning from the people leading our communities, staying connected to what’s happening locally, and having some fun along the way.

Grateful for the conversations, the connections, and another opportunity to represent Lower Mortgage in the Gwinnett community.

Networking. Community. Leadership. Relationships. That’s what it’s all about.

📞 CONTACT

Nick Morrone
VP of Lending | Branch Manager
Lower Mortgage

450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews

📞 (678) 367-1059
📧 [email protected]

Nick Morrone NMLS 1795139
Lower NMLS 1124061

🌎 I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (except NY, VT, HI). Whether you or your clients are buying across the country, I’ve got you covered.

AtlantaRealEstate LowerMortgage MortgageLender GwinnettBusiness

🚀 **REAL ESTATE PARTNERS — WHO WANTS TO JOIN ME?**I’m heading to the **Gwinnett Chamber ELEVATE Business Series** this W...
08/24/2026

🚀 **REAL ESTATE PARTNERS — WHO WANTS TO JOIN ME?**

I’m heading to the **Gwinnett Chamber ELEVATE Business Series** this Wednesday, and I’d love to bring **one real estate partner with me — **

📅 **Wednesday, August 26**
⏰ **11:30 AM – 1:00 PM**
📍 **Gwinnett Chamber of Commerce | Duluth**

This session is focused on **sustainable growth in business, leadership, relationships, and your personal life** — all things that matter when you’re trying to build a business that lasts.

The featured speaker, **Chris Darley**, will be sharing practical principles around growing intentionally, strengthening relationships, making better decisions, and creating long-term impact.

I’m looking for **ONE Realtor / real estate partner** who wants to come network, learn, and spend some time building business together.

**I’ll take care of your ticket.**

Who wants to join me? 🙋‍♂️

Comment **“I’M IN”** or send me a DM. I will choose someone at random

📞 **CONTACT**

**Nick Morrone**
**VP of Lending | Branch Manager**
**Lower Mortgage**

**450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews**

📞 (678) 367-1059
📧 [[email protected]](mailto:[email protected])

**Nick Morrone NMLS 1795139**
**Lower NMLS 1124061**

🌎 I’m your personal point of contact, backed by a powerhouse team licensed in **47 states (except NY, VT, HI).** Whether you or your clients are buying across the country, I’ve got you covered.
https://web.gwinnettchamber.org/events/Elevate-Business-Series—6788/details?_gl=1*1mlnrvp*_gcl_au*ODQ3Mzk4OTA3LjE3ODYzOTY4MTI.*_ga*NjI4NjQ0MTA3LjE3NzA4MjY2Nzg.*_ga_HPF278D9Z1*czE3ODcxNjM3MzUkbzEwOSRnMSR0MTc4NzE2Mzc0MCRqNTUkbDAkaDA.*_ga_WWS0ESTEP6*czE3ODcxNjM3MzYkbzMzOCRnMSR0MTc4NzE2Mzc0MCRqNTYkbDAkaDE2NTU2MTc0MTI.&utm_medium=email&utm_source=ctct
Leadership Networking RealEstateNetworking MortgagePartner GwinnettCounty

5.0 star review received on Experience.com for Nick Morrone by James H L - made it? A great experience was that my advis...
08/23/2026

5.0 star review received on Experience.com for Nick Morrone by James H L - made it? A great experience was that my advisor was experienced and had expertise in handling the necessary documents.

Click to see all 161 reviews of Nick Morrone, VP of Lending | NMLS # 1795139

🏡 Nothing means more than earning the trust of the people I serve.Verna and James recently shared such kind words about ...
08/21/2026

🏡 Nothing means more than earning the trust of the people I serve.
Verna and James recently shared such kind words about their experience working with me during their home purchase in the Atlanta area. They highlighted my responsiveness, professionalism, knowledge of the lending process, and the different financing options we were able to review together.
That is exactly how I want every client to feel.
A mortgage is more than an application and an interest rate. It’s about understanding your goals, explaining your options, communicating throughout the process, and being there when questions come up.
Thank you, Verna and James, for trusting me to be part of your homebuying journey and for taking the time to share your experience. I’m truly grateful.
Whether you’re buying, refinancing, investing, self-employed, or simply trying to understand what mortgage options may be available, I’d be happy to have the conversation.
I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (excluding NY, VT & HI).
Nick Morrone
VP of Lending | Lower Mortgage
📞 (678) 367-1059
📧 [email protected]
📲 IG & TikTok: Nick Morrone - Lower Mortgage
🎥 YouTube: NickMortgageGoat
NMLS 1795139
Lower Mortgage NMLS 1124061
Equal Housing Opportunity
Client testimonial reflects the individual client’s experience. Individual experiences and results may vary. This is not a commitment to lend. All loans are subject to credit approval, underwriting requirements, program guidelines, and applicable terms and conditions.
GeorgiaRealEstate Homebuyer MortgageExpert Homeownership RealEstate MortgageProfessional ClientExperience

5.0 star review received on Experience.com for Nick Morrone by Steven R - Awsome my guy is
08/20/2026

5.0 star review received on Experience.com for Nick Morrone by Steven R - Awsome my guy is

Click to see all 160 reviews of Nick Morrone, VP of Lending

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Atlanta, GA

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