Nicole Renee Nuss

nicole-renee-nuss

Nicole Renee Nuss

570-594-9021

Originally from Pennsylvania, Nicole moved to California in 2010 after finishing up
graduate school and being offered an editor position in the Bay Area. She then spent the
next 13+ years loving Northern California’s cool-weathered summers and mild, rainy
winters, knowing the West Coast was the perfect fit for her. Although forever proud of her
Northeast roots — and after talking to her for all of five minutes, you’ll know she’s still very
much an East Coaster at her core — she now happily calls a sleepy Oregon coastal town her
home.
As the first member of her family to graduate college, Nicole carries her humble, hard-
working upbringing with her throughout life. She owned and operated a bakery in
Berkeley, Calif. for 10 years, and when she moved to Oregon, she took the business and
financial knowledge she gained over that decade and began applying it to the mortgage
industry.
Nicole enjoys working with business owners, as she has first-hand experience buying
homes as a single, self-employed borrower. But she is most passionate about educating
first-time homebuyers and holding their hand throughout the mortgage loan process.
Nicole describes herself as dependable, honest, a strategic planner who likes to be ahead of
deadlines, obsessively organized and detail-oriented, and she truly wants to be the very
best loan officer you’ll ever work with. She’s also probably the most sarcastic person you’ll
ever meet with a deeply self-depreciating sense of humor.
Nicole’s perfect day consists of being home with her four rescue dogs and four rescue cats,
watching either her beloved Phillies (hopefully win!) or a Law & Order marathon, and then
walking the dogs to the nearby beach, which makes them literally jump for joy.

____

Nicole is a longtime advocate for senior dog and cat adoption. As a mortgage loan officer
licensed in California and Oregon, she donates 5% of her commission on every closed loan

to her clients’ local animal shelter or rescue group.

Ready To Get Started with Nicole Renee?

NMLS ID

2580652

CO LIC#

AZ

CA

CA-DFPI2580652

FL

NM

OR

2580652

TX

Branch CO/ AZ

WA

  • - Dustin -

    "We had lots of options, including our existing lender. All of them came in about .25 to .75 higher. They walked us through the refinance from start to finish going over costs, terms etc and there were no surprises."

    Read More Reviews
  • - Christine -

    "I would highly recommend the Zero Point Mortgage team! We are assured that our home refinance was done with the best rate, the lowest cost and with exceptional customer service!"

    Read More Reviews
  • - Jhonny -

    "As a first-time buyer, I needed a lot of support. Their team was wonderful about making themselves available, kept a tight watch on deadlines, and they got me a great rate. They worked wonderfully with my real estate agent, and I felt like I had a real team watching out for me throughout the process!"

    Read More Reviews
  • - Jim duty -

    I worked with Patti Hildebrand on several mortgage transactions since 2005 and recently refinanced with her. She is extremely helpful and patient in presenting options. She shopped for the best rate and program, and she got us to the closing table smoothly and quickly. Patti is an expert and her processing team is the best! I would recommend her to anyone looking to purchase or refinance a property.

    Button
  • - Kristine B -

    I met Patti through my realtors. The search for a property was relatively short and once under contract Patti was able to find a loan program that worked best for me. She helped me clear the hurdles associated with a complicated credit profile, we met all our contact deadlines and we had a pleasant closing. I found that Patti was helpful, friendly, knowledgeable, and kept me apprised of the loan process every step of the way. Thanks Patti!


    Button
  • - zuser201603211110070 -

    Patti was a pleasure to work with. As a first-time buyer, I needed a lot of support. Patti was wonderful about making herself available, she kept a tight watch on deadlines, and she got me a great rate. Patti worked wonderfully with my real estate agent, and I felt like I had a real team watching out for me throughout the process. Patti even made the process fun!


    Button
  • - LBaltimore -

    We used Patti for a townhome refi, and she really went above and beyond! It was a fairly complex transaction with a HELOC involved,


    but she was there for us every step of the way. I ask a lot of questions and like to understand the process, and she was always knowledgeable and very communicative. I ran into some issues on my end, and they went above and beyond to make it right for me. Thanks again!

    Button
  • - ArtKozlowski -

    Patti helped me from qualifying to closing a loan, while getting a home sold at the same time. Her willingness to be able to be flexible and patient, was able to get me to close on a new home in a different state. I got several calls during the process with the same question: "what can i do to help". Patti does everything she can to make it as easy as possible for you to go through the process of getting a loan.

    Button
  • - Jon Chris -

    I was worried about having bad credit when buying my first home, but the team at Zero Point Mortgage were amazing.  Thanks everyone for getting me the home loan we needed.


    Button
  • - Gareth Williams -

    Patti Hildebrand is one of a kind. Hard work and preparation. Great results every time.


    Button
  • - Troy Owens -

    I had the pleasure of working with Patty Hildebrand for refinancing two of my properties, and it went great!  She seems to work around the clock, and is on top of every slight rate change, and makes sure you have all the needed paperwork for the refinance to go smoothly.  We were able to refinance two different properties in a couple weeks time, and I got great rates!


    Button
  • - Wall Relocation Moving Co. -

    We moved to Texas without any idea what we'd do next (as far as home buying goes).  Zero Point Mortgage was fantastic for the home buying experience.  Thanks to everyone at that office!


    Button