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Residential Mortgage Lender

Nicole S.

NMLS #1036507


Meet Nicole

  • Over 17 years of financial/lending experience
  • Very friendly extrovert
  • Goes above and beyond for borrowers
  • Member of the home buyer’s roundtable
  • Certified Credit Union Financial Counselor
  • Certified Credit Union Manager


  • Prequalifications
  • Community assistance programs and grants for mortgage borrowers
  • Construction loan expert
  • First-time homebuyer programs

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digital business card - Nicole


Mortgage Options

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Home Equity Loans

You can secure a loan with the equity in your home and use the funds to afford a number of major life expenses.

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Financial Fitness Coach

Whether you need some assistance creating a budget or you want to boost your credit score, Heartland Credit Union has professional financial fitness coaches to help you manage your money.

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Apply now

Ready to dive in? Start your application.

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Nicole S. was amazing: friendly, sincere, informative. Super service!

— Deborah F., Madison, Member Since 2020

Work with a lender who understands your needs

You deserve to receive help from someone who understands the community - like Nicole. With the proper lending expertise on your side, you can start making your goals a reality with the right mortgage loan option.