Nicky Hungerford, Universal Lending, NMLS 278328

06/07/2026

5.0 star review received on Experience.com for Nicky Hungerford by Terri M - We never thought that we would be homeowners again and then we met Nikki. She made this experience so relaxing and so rewarding. Nikki went above and beyond for us and we will always appreciate that. Thank you again Nikki for everything.

Click to see all 19 reviews of Nicky Hungerford, Loan Officer

05/11/2026

5.0 star review received on Experience.com for Nicky Hungerford by Hudson S - Nicky made this whole experience absolutely incredible. She went above and beyond in every single way, and I truly appreciate all the hard work and effort she put in. I am so grateful that we chose her to teach us and lead us through this process.

Click to see all 18 reviews of Nicky Hungerford, Loan Officer

05/11/2026

To all of the incredible moms who turn houses into homes and make every space feel a little warmer.... thank you for everything you do, seen and unseen, every single day.
Happy Mother’s Day from all of us at Universal Lending Home Loans. 🌷💗

04/30/2026

5.0 star review received on Experience.com for Nicky Hungerford by Katheryn F L - Nicky was so incredibly helpful in communicating and educating us on what needed to get done / when / why . Understanding all those things made this process so easy and fun, and it's all thanks to her.

Click to see all 17 reviews of Nicky Hungerford, Loan Officer

03/17/2026

When it comes to buying a home… it might feel like luck when everything falls into place, but the truth is, the best outcomes are built with a plan.
The buyers who win (especially in today’s market) aren’t just “getting lucky”… they’re getting prepared.

✨ They understand their numbers
✨ They know their loan options
✨ They have a strategy before they ever walk into a home

Because when the right home comes along, you don’t want to hope it works out, you want to know you’re ready.

That’s exactly what we do together.

We’ll walk through your goals, your finances, and map out a clear plan so that when the opportunity shows up… you’re in the best position to win 🏡

🍀 Luck is great, but strategy is better.

02/26/2026

Mortgage rates recently dropped below 6%, hitting their lowest point in almost three years.

For buyers: lower rates = more purchasing power
For homeowners: this could open the door to meaningful monthly savings
For anyone waiting on the sidelines: it’s time to re-check the numbers

If you want to understand what this means for you, let's talk through the numbers together. 🏡

02/19/2026

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If you would like to calm down some of the spam crap out there, this is one way. Free for 5 years! 🧡🧡🧡

is the official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance.

02/14/2026

Whether you’re loving the home you’re in, dreaming about what’s next, or thinking about how your home fits into your bigger financial picture, it’s always a good time to have a conversation.

Homeownership isn’t one-size-fits-all, and the right move looks different for everyone. We’re here to help you explore options, answer questions, and make confident decisions.

Happy Valentine’s Day ❤️🏡

01/06/2026

When it comes to mortgages, there’s a lot of noise out there. Endless Google searches. Conflicting advice. Generic answers that don’t actually apply to your situation.

That’s where we come in.

We’re real people, in real time, right here in your community, helping you make sense of your options, answer your questions, and create a plan that actually fits your life. No guesswork. Just honest guidance from local professionals who care.

Whether you’re buying, refinancing, planning ahead, or just curious, you don’t have to figure it out alone. We’re here to be your trusted resource, today and long after the keys are in your hand. 🏡

01/01/2026

A new year brings fresh beginnings, new goals, and endless possibilities. ✨

Whether homeownership is on your vision board, you’re planning your next move, or you’re ready to explore new financial opportunities, this year is full of potential.

Here’s to clarity, confidence, and taking the next step toward the future you’ve been working toward. New year. New opportunities. 🏡💫