Nicki Torres: The Torres Team Movement Mortgage-NMLS 115571

Nicki Torres: The Torres Team Movement Mortgage-NMLS 115571 Our goal is to help you make the right choice for you and your family, ensuring a future of generational wealth and security. All rights reserved.

We are dedicated to offering customer service rooted in kindness and excellence, consistently exceeding your expectations. As a dedicated loan officer based in Fayetteville, North Carolina, I bring a unique perspective shaped by my experiences as a military spouse and a proud mom of seven incredible children. The challenges and sacrifices of military life have given me invaluable insights that deeply inform my approach to serving others, while parenthood has taught me the importance of patience, resilience, and adaptability—qualities that I bring to every interaction with my clients. In my role as a loan officer, my mission is to provide personalized financial solutions tailored to the unique needs of military families. I understand the critical importance of stability and security, especially when it comes to housing, and I'm committed to guiding my clients through the mortgage process with genuine care and support . My dedication extends beyond my professional responsibilities; I'm actively involved in my community, participating in various initiatives that support and uplift those around me. DISCLOSURES:
While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window. Movement Mortgage supports Equal Housing Opportunity.
[AL-58808, CO-100539290, FL-LO49932, GA-42312, KY-MC819453, MS-1004318, NC-I-152921, PA-109287, SC-BFI-MLO - 115571, TN-129811, TX, VA-MLO-50970VA, WA-MLO-115571] | Movement Mortgage LLC. NMLS ID #39179 (For licensing information, go to: www.nmlsconsumeraccess.org). Additional information available at movement.com/legal. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touch...
09/08/2026

A HELOC lets your equity to work, whether that's a renovation, debt payoff, or covering a big expense, all without touching your current mortgage rate. From September 8-22, qualified homeowners get .25% points off their HELOC rate. Message me to see what it looks like for you.

*Borrower qualification is required. This is not a commitment to lend. Movement Mortgage is not affiliated, endorsed, or sponsored by the Department of Veterans Affairs or Federal Housing Administration; United States Department of Agriculture or any government agency. Offer may be modified or discontinued at any time without notice. Subject to credit approval and program availability. Reach out to a loan officer for the full list of programs eligible.

09/04/2026

You've been lied to about the housing market. Here's what the data actually shows. 👇

Everyone keeps saying now is the worst time to buy. But the numbers tell a completely different story.

"There's nothing in my price range."
Entry-level home inventory rose 4.5% year over year in June while luxury inventory fell 5.2%. More affordable homes are available right now — and fewer people are competing for them. Source : July 29, 2026 /PRNewswire/ New Zillow® data "Sellers are overpriced and won't budge."

Asking prices have dropped for nine consecutive months nationally. One in four sellers cut their price in June before a buyer even made an offer. Sellers are more open to negotiating on price, closing costs, and terms than they've been in years — and Movement offers buydown options that sellers can fund as part of the deal to lower your payment early on. Source: Realtor.com, research. July-2026-data.

"I'll lose to investors every time."
Large corporate investors have largely stepped back after new federal rules restricted them from buying existing housing stock. Today 96% of investor-owned single-family homes belong to small individual investors. The playing field has shifted in your favor. Source: BatchData, Q2 2025 Investor Pulse.

"Rates make it unaffordable."
Household incomes grew 4.6% last year while the median monthly mortgage payment actually fell slightly. A mortgage takes up a smaller share of take-home pay than it did a year ago. And with down payment assistance available, you may not need as much saved as you think. Source: Bureau of labor statistics. U.S. Department of labor. USUAL WEEKLY EARNINGS OF WAGE AND SALARY WORKERS SECOND QUARTER 2026. July 21, 2026

The market is more favorable for everyday buyers than the headlines suggest. You just have to know where to look.

📲 Find out what's actually possible for you right now.

Disclaimer : Note that Any actual Seller Credit is paid at closing and is subject to interested party contribution limits. Actual Seller Credit amounts are agreed upon solely between the Seller and the Borrower(s).

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own busines...
09/03/2026

The path to homeownership looks different for everyone. Some borrowers have straightforward finances. Others own businesses, work independently, invest in real estate, or have income that fluctuates from month to month. Different financial situations can require different lending solutions.

09/02/2026

2008. The market was in freefall. Banks were saying no to everybody, and honestly, a lot of loan officers were saying no too.

An older woman came to me convinced she'd never own a home. She'd been told no so many times she almost didn't bother asking again.

We got her approved. We got her the keys.

I'll never forget her face when she realized it was real. That's the moment I knew this wasn't just a job for me, it was never going to be just a job again.

That's still why I do this. Not for the closing, for the person standing in a house they were told they'd never have.

If you've been told "no" or "not right now," I want to hear your story. Send me a DM, let's see what's actually possible for you.

09/01/2026

Worried you can’t afford to buy a home? Before you decide, take a look at what you’re already spending on rent. You might be closer to homeownership than you think. Let's see what your options look like.

09/01/2026

I've wanted to work in finance since I was 9 years old. Not exaggerating. Got my degree from Troy University with that exact plan: crunch numbers, be an accountant, done.

Then my husband and I tried to buy our first home.

His credit wasn't great. And lender after lender basically told us no, and made us feel like idiots for even asking. No explanation of why, no plan to fix it, just "no" and a cold shoulder.

I remember sitting there thinking: this is insane. People need someone to actually explain this instead of just shutting the door on them.

That moment redirected my entire finance background into mortgages. Not because it was the "next logical step," but because I knew exactly what it felt like to be told no with zero guidance on how to get to yes.

So now that's the whole job. If your credit isn't perfect, if you've been told no before, if you just don't understand why a lender is saying what they're saying, that's exactly who I'm here for.

Send this to someone who needs to hear it.

Getting approved for a certain amount doesn't mean you have to spend it. Before you start house hunting, think about the...
08/31/2026

Getting approved for a certain amount doesn't mean you have to spend it.

Before you start house hunting, think about the monthly payment that feels comfortable for your budget. That includes more than just principal and interest. Property taxes, insurance, HOA fees, utilities, and everyday life all factor into the bigger picture.

Knowing your comfort zone upfront can help you shop with confidence and avoid stretching your finances too thin.

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20%...
08/27/2026

Don't let a number keep you from a conversation. Many buyers start exploring their options long before they've saved 20% down.

08/26/2026

Before you talk yourself out of homeownership, let’s talk. You may have more options than you think.

Growing family. New job. Military orders. Retirement. Most people don't decide to buy a home because the market is perfe...
08/24/2026

Growing family. New job. Military orders. Retirement. Most people don't decide to buy a home because the market is perfect. They decide because life is moving. The good news is there are loan options and strategies built for your specific situation, whatever the market is doing.

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201 Hay Street Suite 301
Fayetteville, NC
28301

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Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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