Nicole Watts - Loan Officer, NMLS# 2166035

02/21/2026

Open House 🏠 today from 10-12pm and I’ll be there to answer any of your mortgage questions!

300 Omega Dr, Lynchburg VA 24502.

12/09/2025

What a game changer!

Virginia Housing is offering a $10,000 grant (no repayment required) to help our first-time home buyers who work in a designated "Community Hero" profession.

If buying a home has seemed a little out of reach lately, give me a call and we can see if this or another loan program could be the perfect fit for you!

Nicole Watts - Loan Officer, NMLS # 2166035
Cell: 530-355-8757

03/17/2025

Your mortgage “pot of gold” isn’t found by chance—it’s the result of partnering with a dedicated mortgage lender who understands your unique needs. Let’s work together to make your homeownership dreams a reality. Contact me today to start your journey.

04/20/2023

If you’re planning to buy a home, an inspection is an important step in the process. It assesses the condition of the home before you finalize the transaction. It’s also a different step in the process from an appraisal, which is a professional evaluation of the market value of the home you’d like to buy.

>>Home Inspection

Here’s the key difference between an inspection and an appraisal. Bankrate says, “In short, while an appraisal helps you understand a home’s value, inspections help you understand a home’s condition.” The home inspection is a way to determine the current state, safety, and condition of the home before you finalize the sale. If anything is questionable in the inspection process – like the age of the roof, the state of the HVAC system, or just about anything else – you as a buyer have the option to discuss and negotiate any potential issues or repairs wit...



(434) 218-3633 | [email protected]

If you're planning to buy a home, an inspection is an important step in the process.

04/19/2023

Owning a home means having a place that’s solely your own and provides the space, features, and location you and your loved ones need. But what happens when your needs change? If this hits home for you, it may be time to make a move.

According to NAR, the average person has lived in their current house for ten years. If you’ve been in your home for a while, think about how much in your life has changed since you moved in. Even if you thought it would be your forever home when you bought it, it doesn’t have to be. Work with a local real estate agent to explore all your options in today’s market before settling for your current home.

That’s actually what a lot of homeowners are doing right now. A recent survey from Realtor.com finds that, of people who are considering selling in 2023, one in three are thinking about moving because their home no longer meets their needs. An...



(434) 218-3633 | [email protected]

Owning a home means having a place that’s solely your own and provides the space, features, and location you and your loved ones need.

04/18/2023

According to Zonda, 98% of millennials want to become a homeowner at some point if they aren’t already. But why?

>>Building equity – Homeownership is a long-term investment that allows you to build wealth, increase your net worth, and become more financially stable. Beyond that, the alternative to owning a home is typically renting. With the way rents have risen so dramatically over time, it may make sense to build your own equity instead of the equity of the person you’re renting from.

>>A change in life stage – As a millennial, you’re reaching your prime homebuying years. That means you may be at the point where you need more space or a different location.

>>Stability or settling down – This could mean establishing your career or just generally deciding more concretely what you want your life to look and feel like. As that idea becomes clearer, you may want to establish that...



(434) 218-3633 | [email protected]

In the United States, there are over 72 million millennials.

04/17/2023

As the housing market continues to change, you may be wondering where it’ll go from here. One factor you’re probably thinking about is home prices, which have come down a bit since they peaked last June. And you’ve likely heard something in the news or on social media about a price crash on the horizon. As a result, you may be holding off on buying a home until prices drop significantly. But that’s not the best strategy.

A recent survey from Zonda shows 53% of millennials are still renting right now because they’re waiting for home prices to come down. But here’s the thing: the most recent data shows that home prices appear to have bottomed out and are now on the rise again. Selma Hepp, Chief Economist at CoreLogic, reports, “U.S. home prices rose by 0.8% in February . . . indicating that prices in most markets have already bottomed out.” And the latest data from Black Kni...



(434) 218-3633 | [email protected]

As the housing market continues to change, you may be wondering where it’ll go from here.

04/14/2023

The inspection is a major part of the home selling process. Many buyers used to waive inspections to be more competitive with their offer, but recently, inspections and repairs are becoming popular again. DM me so you have an expert on your side who can help you determine the repairs and updates your house needs before you sell.



(434) 218-3633 | [email protected]

The inspection is a major part of the home selling process.Many buyers used to waive inspections to be more competitive with their offer, but recently, inspections and repairs are becoming popular again.

04/13/2023

Over the last year, the housing market’s gone through significant change. While it’s still a sellers’ market, homes that are priced right are selling, and they get the most attention from buyers right now. If you’re thinking of selling your house this spring, it’s important to lean on your expert real estate advisor when it comes to setting a list price. As Realtor.com explains:

“Move-in-ready homes with curb appeal and in desirable areas—and that are priced to sell—are especially likely to move quickly this spring.”
In today’s market, how you price your house will not only make a big difference to your bottom line, but to how quickly your house will sell.

Your asking price sends a message to potential buyers, especially today.

If it’s priced too low, you may leave money on the table or discourage buyers who may see a lower-than-expected price tag and wonder if that means something is wrong with the home.

I...

(434) 218-3633 | [email protected]

Over the last year, the housing market’s gone through significant change. 

04/12/2023

Have you been saving up to buy a home this year? If so, you know there are a variety of expenses involved – from your down payment to closing costs. But there’s good news – your tax refund can help you achieve your goals by paying for some of these expenses.

SmartAsset estimates the average American will receive a $1,798 tax refund this year. According to Freddie Mac, there are multiple ways your refund check can help you as a homebuyer. If you’re getting a refund this year and thinking about buying a home, here are a few tips to keep:

Saving for a down payment – One of the largest barriers to homeownership is saving for a down payment. You could reach your savings goal more quickly than expected by using your tax refund to help with your down payment.

Paying for closing costs – You have to pay fees to your lender, real estate agent, and other parties involved in the homebuying...



(434) 218-3633 | [email protected]

Have you been saving up to buy a home this year? 

04/11/2023

Thinking about selling your house? If you’ve been waiting for the right time, it could be now while the supply of homes for sale is so low. HousingWire shares:

“. . . the big question is whether we are finally starting to see the seasonal spring increase in inventory. The answer is no, because active listings fell to a new low last week for 2023 . . .”

The National Association of Realtors (NAR) confirms today’s housing inventory is low by looking at the months’ supply of homes on the market. In a balanced market, about a six-month supply is needed. And today, the number is much lower:

“Total housing inventory registered at the end of February was 980,000 units, identical to January and up 15.3% from one year ago (850,000). Unsold inventory sits at a 2.6-month supply at the current sales pace, down 10.3% from January but up from 1.7 months in February 2022.”

The less inve...



(434) 218-3633 | [email protected]

Thinking about selling your house?