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Nicholas Ballard
Mortgage Advisor

NMLS#: 263995

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Nicholas Ballard
Meet My Team
Welcome to my page.

Since beginning my journey as a mortgage advisor in 2002, my mission has focused on providing clients and referral partners with a wide range of loan options tailored to their individual financial needs. Whether you’re purchasing a home, refinancing, or investing in real estate, I am committed to guiding you through the process with clarity and efficiency to achieve your greater financial goals.

Partnering with a top-tier mortgage bank allows me to offer clients a deep pool of options. LaSalle Mortgage currently provides over 1,240 loan programs, including the full range of conforming and jumbo loans. In addition, we offer exclusive products like our HomeFundIt with crowd-sourced gift funds, our All-in-One sweep mortgage that offers significant compound interest savings, or our List & Lock program, designed to help sellers and listing agents market properties with reduced interest rates to attract prospective buyers. Beyond these unique options, we offer dozens of alternative income documentation programs for self-employed borrowers or those whose incomes fall short of standard bank requirements.

Serving clients throughout the San Francisco Bay Area , I understand the nuances of this competitive market and take pride in delivering exceptional service, clear communication, and strategic guidance. With the dedicated support of my incredible team, my goal is to make the mortgage process smooth and stress-free. Let me know if I might help you with a cost-free consultation or pre-approval to set the stage for your success.

Check Out Our Exclusive Loan Programs

HomeFundit

Down Payment Gifting reinvented. HomeFundit™ is our exclusive program that lets buyers collect down payment gifts online from anyone, AND LaSalle will Match up to $2,000.*

All-in-One

Designed to accelerate the repayment of principal to save borrowers a significant amount of interest expense, and time, without changing their budget, without depending on interest rates always being favorably low, and without locking-up money permanently in the mortgage.

List & Lock

Listings Sell Faster with List & Lock. Advertise a discounted rate without cutting the price. Contribute up to 6% toward lowering the rate for future buyers. Flexible Lock Options. Full Marketing Support.

All-in-One Solution

Our Loan Process...

PRE-APPROVAL

A loan pre-approval sets you up for a smooth home buying experience.

SHOP

Start working with a real estate agent and viewing homes.

LOAN APPLICATION

A few documents are needed to get a loan file through underwriting.

LOAN PROCESSING

Assemble all the necessary paperwork and details for the underwriter.

UNDERWRITING

They closely evaluate all the documentation in the loan package.

CLOSING

Documents are drawn and sent to the title company for closing.

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