Ellen Nichols - NMLS# 541804 - Central Bank

09/07/2026

Happy Labor Day! While our offices are closed today in honor of the holiday, I'm still here for you! If you have any questions or need assistance, feel free to message me. Enjoy your day!

09/02/2026

Everyone's financial situation is different. However, a great way to start building your long-term wealth is by buying a home. Part of each mortgage payment goes toward your loan principal, turning your housing cost into a tangible asset. Additionally, homes generally appreciate in value over time, making them a solid investment.

There are loan programs specifically designed to help first-time homebuyers achieve homeownership, and I would love to meet with you to see if you qualify!

Learn more about the pros and cons of renting and buying: https://www.centralbank.net/learning-center/homeownership/buying/buying-vs-renting-infographic/

This is not a commitment to lend or extend credit. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. All rates, programs and fees are subject to underwriting guidelines and are subject to change without notice. Other restrictions may apply. See bank for details. The Central Trust Bank NMLS #407985 MEMBER FDIC 238 Madison St, Jefferson City, MO 65101. Copyright Central Bancompany. All rights reserved.

08/20/2026

Newly married and ready to find your dream home together? Here are some essential tips to keep in mind while house hunting!

Send me a message to get started today! Read more on our Learning Center.

Member FDIC | NMLS # 407985 | Equal Housing Lender

08/13/2026

It's Back to School Time! 📚

As we gear up for a new school year, it's the perfect opportunity to brush up on some mortgage basics and prepare for your journey to homeownership this fall!

Whether you're a first-time buyer or looking to upgrade, I'm here to help you navigate the process. Have questions? Don't hesitate to DM me anytime!

Member FDIC | NMLS # 407985 | Equal Housing Lender

08/06/2026

When deciding whether a Fixed-Rate or Adjustable-Rate mortgage is right for you, it's important to consider your current and future finances.

Message me today, and we can explore your options to find the best path forward.

Read more about the different types of mortgages on our Learning Center: https://www.centralbank.net/learning-center/

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/28/2026

For some homeowners, refinancing is an opportunity to get a lower rate, tap into home equity, and much more. However, several factors play into refinancing your home, and it’s important to fully understand the process.

Message me today and I'll evaluate if refinancing is right for you!

Visit our Learning Center for more: https://www.centralbank.net/personal/home-loans/refinance/pros-and-cons-of-refinancing/

Member FDIC | NMLS # 407985 | Equal Housing Lender

07/21/2026

Before undertaking the important step of applying for a home loan and getting approval, a little upfront research can help streamline the application process:

Check your credit report: Having a good credit score not only makes the application process easier, but it can also result in a better interest rate.

Get prequalified: Get prequalified for a mortgage. This can help you secure the home you want more quickly because lenders—and home sellers—know you are one step closer to obtaining a mortgage.

Understand your upfront costs: Once you have your finances in order, start researching the cost of your future home. Your mortgage will only be part of what you have to pay.

Lock down an interest rate: Rates can change, so make sure to take all necessary steps to lock in a good rate.

For more information, check out: https://www.centralbank.net/learning-center/homeownership/buying/applying-for-home-loan-infographic/
Member FDIC | NMLS # 407985 | Equal Housing Lender

07/04/2026

Happy Independence Day! 🎆

Feel free to DM me, and I’ll get back to you as soon as possible. Enjoy the celebrations!

07/02/2026

5.0 star review received on Experience.com for Ellen Nichols by Erin E - Very helpful and answered questions

Click to see all 56 reviews of Ellen Nichols, Mortgage Loan Officer | NMLS # 541804

07/02/2026

5.0 star review received on Experience.com for Ellen Nichols by Andrew L - great people and great communication

Click to see all 56 reviews of Ellen Nichols, Mortgage Loan Officer | NMLS # 541804