https://www.nikkimortgagespecialist.com/contact daily 0.75 2022-05-11 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/79c5af08-9cc1-45f2-9667-3c8171ddc843/0282.jpg Contact - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/4713445b-238b-4fec-8c79-ef74b8ad66c8/VF+Logo-PhotoRoom.png Contact - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/17be6dad-4d6a-486f-bfc8-6d24f8097cf1/dlc+logo-PhotoRoom.png Contact - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.nikkimortgagespecialist.com/homepurchase daily 0.75 2022-02-06 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643205592241-3H2MPCMIEEHEMTW3C168/spacejoy-Kh4tedFdHz4-unsplash.jpg Home Purchase - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643406094483-FWHZ0ZRTX8QX81Z3BIPY/unsplash-image-nPhVqChP1JI.jpg Home Purchase - What is a pre-approval? Fall in love with your budget before you fall in love with your home. Obtaining a pre-approval is a key piece of the home buying puzzle. A pre-approval is a general guideline that will let you know what you can afford and will allow you to have confidence in your home search. Now more than ever, knowing your budget and shopping within it has never been more important. A pre-approval allows you to lock-in your interest rate for 60-120 days. By locking into a rate, you are protected from the dreaded rate increases. But if the rates decrease, you can still have access to the lower rate. It’s a win/win. To get pre-approved for a mortgage, Nikki will conduct a brief consultation and obtain a short list of documentation. This process will allow you to hit the market with confidence and will give you a one-up from other prospective buyers who aren’t already pre-approved. https://www.nikkimortgagespecialist.com/refinance daily 0.75 2022-02-07 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643205615059-4YIN0AYMEKG9POCYVEM3/spacejoy-kx2nmoEMw4Q-unsplash.jpg Refinance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643205615085-NNCJI5LSUPAUHKZK3XU5/pexels-maksim-goncharenok-4352247.jpg Refinance - IS THIS BEST FOR YOU? REFINANCING CAN COME AT A COST... While refinancing may be a great solution for you, there are some things that you should know. When you payoff your existing mortgage and replace it with a new one, you are breaking your original contact — and that can cost you. Like in any contract, there are penalties involved when breaking it. These penalties can sometimes be quite costly, so typically it’s best practice to hold off until your mortgage is up for renewal. Life throws curveballs constantly, and as we know, rarely ever do those curveballs align with the timeline of our life. More often than not, the benefit of the refinance trumps the costs involved. If you have a need for refinance - let’s calculate your penalty and see if it makes sense for you. Nikki will go above and beyond; and pair you with a flexible, more penalty friendly Lender for next time. https://www.nikkimortgagespecialist.com/home daily 1.0 2026-02-13 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029303217-GQ9MOUSO1WPP6K9Y0TZA/d6784b3bd0fb3c5f0a2c8ce49e41fa11.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029324583-6WZ7QTDNE7IV5JHJBXEX/ec56de8ec5ebb91954c1cae2dc833b11.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029370744-M8NK7X6RNGLRKJFD390N/b5d0535ff2459895b9dc995707ba869c.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029396294-YH45SMML02REO80WHOQZ/2b5f92702efad2eb1d88951caebcfca0.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029412878-N0MSZKQ46QKF6AVPEY1N/d247f59155f2b2ff852d86957f4b6870.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029434262-9XDMHMEGTIKLAGNDBQJG/9b00e79cb01fa9e5abd2a1e154cf913a.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029456523-VI37C7ZZ57AL5BXFL0NO/09ad3d62e0a5270ac42c5a57006b977c.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029471495-RXH5OL8ZJWGDIBI4Y3W7/9c4e5a9e71d59c90a43f04637740f224.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644029492770-L9D0CU1C84F15FNHEWCW/0e61970b1a4492e7d6cd0a8f312a03d9.jpg Home https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/d18bf5cf-ec3b-4f20-9383-d988b40b2787/c78f9873739eee07a6eb3483c8b2de54.jpg https://www.nikkimortgagespecialist.com/debtconsol daily 0.75 2022-02-02 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643205622819-2IWHHJIIDJSIN51J60MM/spacejoy-k2pumSRYYss-unsplash.jpg Debt Consolidation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643405759947-LOU6BDSEHZDQV248J1MJ/unsplash-image-IH7wPsjwomc.jpg Debt Consolidation - What should you know? Debt consolidation is designed to de-stress.. Credit cards, student loans, lines of credit, car loans and more… It can be overwhelming to keep track of all your monthly payments and interest rates. Debt consolidation will allow you to streamline your finances, increase monthly cash flow, and de-stress. Although debt consolidation may help restructure your debt load, it won’t fix the underlying financial challenge. When completing a debt consolidation with Nikki, she can take a look at your spending and help you manage and stick with a budget. In most cases, your debts will be paid off directly with the proceeds of your consolidation. Often times, the best financial strategy is to take a look at the likelihood of recurring financial hardships and plan accordingly. Sometimes that plan might include lowering credit limits or even cancelling the cards entirely. Nikki’s goal is always to set you up for financial success. https://www.nikkimortgagespecialist.com/creditrepair daily 0.75 2022-02-04 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643649187064-ZDKF6489YOKZ6R703VBN/unsplash-image-IH7wPsjwomc.jpg Credit Repair - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/b9d022a6-7c1f-4619-bccb-2ff640a554c9/calculated.png Credit Repair - What should you know? Repairing your credit takes patience… Credit repair doesn’t happen over-night. It is said that 1-3 months of negative history on your bureau can do significant damage. However, 12-18 months is typically the length of time it takes to repair your credit. Here are a few key take-aways to ensuring your bureau remains in good standing. Pay all of your bills on time, and in full. — A great rule of thumb is to pay your bills in full and on time, roughly about 3 days before your due date. Automatic withdrawals is a great option for those who are at risk of forgetting a payment due-date. Keep your credit utilization below 50% — If your credit card limit is $1,000 ; you should be keeping your balance under $500 at all times. This will prove to the Lenders that you’re not living off of credit and can manage it well. Don’t consent to credit checks unless absolutely necessary — Inquiries make up about 10% of our overall credit score, so make sure you only consent to credit checks when absolutely necessary. Pulling your credit too often shows a Lender that you cannot service your current debt, and increases your risk with them, making it harder to get approved. Pay off any and all collection items — Using a debt consolidation firm to pay off your collection items may be a great idea for you. Although the rates are higher, it may give you access to the funds you need to settle with your creditors, pay them off, and build your score in the meantime. When your score has improved, you can refinance your high interest debt into a much more manageable financing plan. https://www.nikkimortgagespecialist.com/renew daily 0.75 2022-02-04 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643653511440-IRO93EH9D07K27OIT6Y1/unsplash-image-dIMJWLx1YbE.jpg Renew - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643654423341-4W736ZUYXZLTZ8U42LVF/unsplash-image-flRm0z3MEoA.jpg Renew - What should you know? Let’s talk about what to consider… As your life circumstances change, so should your mortgage. Ask yourself the following: Has my income changed? Have my expenses increased or decreased? Is there a possibility I might be moving in the next few years? How do the interest rates look right now in comparison to when I got my original mortgage? Have I had a change in marital status or a significant life event happen? Is there a need for a greater cash flow? Do I want to build my investment portfolio? Is there a need for home improvements? Do I need more flexibility with my mortgage? https://www.nikkimortgagespecialist.com/selfemployed daily 0.75 2022-02-06 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643826134851-3SKRYU7TQ5C00OAP21K7/unsplash-image-nNMBa7Y1Ymk.jpg Self Employed - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643826026649-O9FVT2VOKT3Y3HOCU1QR/unsplash-image-QeVmJxZOv3k.jpg Self Employed - What should you know? Nikki is the helping hand you need… How do self-employed mortgages work? Stated Income Program Working with a lender who accepts stated income programs is a necessity for a self-employed client. Income verification documents are significantly different than what a bank or traditional mortgage lender will accept. There are many ways of proving your earnings when using a stated income program: Personal & business bank statements can be used to review deposits Internal financial & accounting statements to review how your business is performing Client & business contracts to review the type of work you do and the future payments to be received Bank accounts for other countries can also be accepted by some Lenders & much more! Stated Income Programs can be used for a home purchase, a refinance of a 1st mortgage or even to obtain a second or third mortgage. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643826055035-FFRAFGJRH3BFFUGTMYD9/unsplash-image-aJYO8JmVodY.jpg Self Employed - What about documents? Have these documents on hand… Listed below are some of the documents that could be required for consideration: Income tax returns for past 1-2 years Business financial statements Notice of Assessment to prove personal taxes are up to date Business license/ articles of incorporation Bank statements to review deposits Business contracts for future income https://www.nikkimortgagespecialist.com/homeimprovements daily 0.75 2022-02-06 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643834989484-XKOPD06NB2JIUYVARDD0/unsplash-image-JaXs8Tk5Iww.jpg Home Improvements - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643834864017-6U8ZZ5FBKMVKCJ0JIV49/unsplash-image-7pCFUybP_P8.jpg Home Improvements - What should you know? There are pro’s and con’s to everything… What are the drawbacks of home improvement loans and which is the best option for you? Home Equity Line of Credit Pro: Lower interest rates available. Pay interest only to keep your monthly cost down. Only pay interest on the money borrowed. Open to pay in full at any-time with no penalties. Available for you to use again once paid off. Con: In comparison to 1st mortgage - rate may be higher. It can take a long time to pay off if you are only making minimum payments. You may be tempted to spend more since you have available funds. Potentially difficult to qualify for. Mortgage Refinance Pro: Low interest rates. You are paying down principal with each monthly payment. Repayment options are over a longer period making payments more manageable. Only one payment to manage rather than multiple. Con: Pre-payment penalty could be costly. Higher closing costs. Longer turn-around time until funds are in hand. Second Mortgage Pro: Quick approval process (sometimes same day funding). Interest only payments available. Payment-free options available. Open mortgage options available. Flexible terms. Con: Higher rates. Initial Lender fee. Additional monthly payment to cover. Will need to requalify to consolidate into your 1st mortgage. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643834842980-RJYMFEOJ8BHQ5PQBN4XE/unsplash-image-UV81E0oXXWQ.jpg Home Improvements - What should you know? continued… What are the drawbacks of home improvement loans and which is the best option for you? Construction Draw Financing Pro: Flexible terms. Pay only the interest during construction. Ability to transition into a non-construction financing program. Additional scrutiny, therefore keeping you on budget and on track. Piece of mind that financing is in place throughout construction. Con: Difficult to qualify for. Visits from lender to confirm completion of each section of construction. Numerous draws. High fees. 10% holdback of funds. High interest rates. Up front fees. Possible interference from Lender. Paperwork heavy. Potential to be risky. Private Lending Pro: High entry for approval. Quick turnaround time. No minimum credit score. Minimal restrictions about where the funds are used. Flexible terms. Interest-only/no payment options available. Con: High interest. Costly fees. Paperwork heavy. Additional monthly payment to cover. https://www.nikkimortgagespecialist.com/rentals daily 0.75 2022-02-04 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643983001182-GSBWH4QVDYA5SUAVZD14/unsplash-image-D4jRahaUaIc.jpg Investments/ Rentals - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643983052393-J2JG8MWFV84PAFCW2QWW/unsplash-image-Yp9FdEqaCdk.jpg Investments/ Rentals - What should you know? Investing done right… If you are looking to expand your investment portfolio by buying real-estate, there are a few things you should know: A minimum of 20% down is required on all non-owner occupied purchases Most lender policy reads that a residential borrower may not exceed a total of 3-4 rental units (+1 owner occupied home) The property location, condition and whether or not the property is accessible 4 months/year can impact the terms and conditions of the financing Rental offsets are available to be included in income with applicable Lenders https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643983268397-N23KGTKGAHO3W5J7PKEV/unsplash-image-jbJ-_hw2yag.jpg Investments/ Rentals - What should you know? continued… How can we make this possible for you? If investing in real-estate is a goal of yours, here are a few things to consider: Are you sitting on Equity in your owner occupied home? Can you leverage that equity to purchase another property? What kind of rental income will you be able to bring in on this property? Will it surpass your mortgage payment and increase your cash flow? Can you consider renting out your current home and purchasing another owner-occupied property? This can often reduce your minimum down payment amount. Can you be paired with a Lender who allows extended amortization schedules? This will lower your monthly payment, therefore increasing your rental income capabilities. Will you be looking to sell this rental property within the next few years? If so, you will want to consider a penalty friendly lender who won’t eat at your profits at the time of sale. https://www.nikkimortgagespecialist.com/reversemortgage daily 0.75 2022-02-06 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643986506579-H13WNLQAJ5PXS5AC6V7E/unsplash-image-AX-hGV70sd0.jpg Reverse Mortgage - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643986634972-75VJZ6A9QIEH3EN86VXC/unsplash-image-tWuaMnbbRHA.jpg Reverse Mortgage - What should you know? Think of what your life could be like without a mortgage payment… You can use a reverse mortgage for: Debt consolidation Covering everyday expenses Cushion in your bank account for emergency use Home renovations In-home care Building investment portfolio Helping your family https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643986702588-LBMWIQF3QLE6MMP4D0NW/unsplash-image-LDrSJ3cjauY.jpg Reverse Mortgage - What should you know? What are the benefits? Like everything in life, there are pros and cons. Let’s review the pro’s of a reverse mortgage and why this product may be right for you. Pro’s of Reverse Mortgages No monthly mortgage payments The funds are tax-free No restrictions on how you use your funds Stay in your home as long as you’d like Payback is only at time of sale or move-out The amount due on your mortgage will never exceed the value of your home Approvals based off of equity in home, therefore easy to qualify for https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1643986734846-7OYSB7MD5TW6D68BLO4B/unsplash-image-bdmdX_XMcV4.jpg Reverse Mortgage - What should you know? Is there a catch? Like everything in life, there are pros and cons. Let’s review the downsides of reverse mortgages, and determine whether this product is right for you. Con’s of Reverse Mortgages Higher interest rates than traditional mortgages Loan amount is determined off of the equity available in your home and is usually capped at 55% Very minimal equity left over at time of home sale Credit check will be required and considered to determine amounts, rates and approvals There are conditions placed on the approval as the Lender sees fit The repayment can seem high, as it will be an accumulation of the principle and all outstanding interest to be paid at once https://www.nikkimortgagespecialist.com/faq daily 0.75 2022-05-11 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644022419825-UQ6EF8TNQMOE11E989TF/website.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644022699580-4WRJDWLGBDMTJ0FUVQZX/website4.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644024055916-S0ARK3S0H2YDZQF63ZRN/website5.jfif FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644024811810-413FRHK9Y59PGELX31SF/website7.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644024970641-LBBBW62YN0UEXD52WYTL/gallery-wall-farmhouse-decorating-ideas.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644025540784-UUZ6C1YMX2WGKHRNG4V8/84d590cfe1dcef065ff7bb0090ec9e99.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644026022453-P4WXVIJT7K8JHLQ5XYEC/ca30379ce01f5f9c4c93ae413b78b7f0.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644026799920-QKDXFXA8MF31GCVHA01X/website3.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1644027071979-7SBLOKJUO0Y5HIRZTU62/websiteee.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1649171860685-YPHC969RBDQNOCBH9M40/unsplash-image-JIUjvqe2ZHg.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1649172218322-PFTNRCS4E70GP17OUB26/unsplash-image-z3QZ6gjGRt4.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1649172666591-AU20D1JVJUJ5K78SN2FX/unsplash-image-8kqtv6dMNSg.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1649173113838-ZTG2WZ9FVDX7E6VZCGCA/unsplash-image-Ws4wd-vJ9M0.jpg FAQ https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1649173510041-JAJ4FPLF62QTTVPI86KR/unsplash-image-4Ly61P3EWVY.jpg FAQ https://www.nikkimortgagespecialist.com/events daily 0.75 2022-05-05 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294240046-CBVFRVDGM6NP6ZEAO7A6/IMG_3229%5B12557%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294275623-R5324TA8QAAK8Z1VXNCH/IMG_3250%5B12556%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294311663-G3QX9TXSPUD4D0QT1WG8/IMG_3234%5B12554%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294336090-WIP3G2OAXIKZPLSBBWYM/IMG_3247%5B12553%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294359898-Q02YA4M0U1W6L822QCET/egggggg.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294383703-WK9ZXGT9SVGTF407ALZA/IMG_3306%5B12561%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294411612-8VFI3K720LO0PK1F0NN9/eggg.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294437865-BJJGJ97LX2BZ87OM1D0C/IMG_3304%5B12562%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294475904-T5INNF4YT5M68ZOCDU63/IMG_3305%5B12563%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294502765-H1GDYW3WNASD9MAEAKTP/IMG_3249%5B12555%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294534707-MULMTZYP4GRUARFZTG2F/egggg.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650294672681-HJ0QZI7J9VYY1VLWC8FA/IMG_3230%5B12552%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650295143484-W09II2C03BKQI4C914B8/IMG_2290%5B12569%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650295164403-7FMSYWWW91JWRRIRGQOE/IMG_2288%5B12568%5D.jpg Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/1650295181172-BO2LDYKFZM1JL3VJZTNM/IMG_2293%5B12571%5D.JPG Events https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/99cd08e8-7aaa-4184-88b5-79e17f6ee194/Pink+Coaching+Live+Training+Class+Instagram+Post.png Events - First Time Home Buyer Webinar - Recorded May 4 2022 Deep dive look into the mortgage process, specifically tailored for the First Time buyer. https://www.nikkimortgagespecialist.com/about daily 0.75 2022-05-28 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/abeb3828-0093-4d7b-bd48-dbc89d456fb3/d44d903046e721c5610356eeb8d3d9bb.jpg About - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/474701fc-6b74-4d47-8cd8-8b622d84cf47/0264.jpg About Your mortgage search… simplified. “There is a mortgage for everybody, you just need to know your options.” It pays to know, and it pays to work with an expert. Aside from Nikki’s business — you will find her spending time with her family and friends. Supporting other bereaved parents with grief and child loss. Attending her daughters gymnastics classes. Walking her dog in the woods. Re-decorating and re-organizing her home for the umpteenth time. Or working up a sweat at a local fitness class. https://www.nikkimortgagespecialist.com/airmiles daily 0.75 2022-04-29 https://images.squarespace-cdn.com/content/v1/61f153cef83f1f660ee72729/bbf2156f-38db-41d7-a975-a7fb599a3528/BLACK_AIRMILES_VERT_RGB_E.png Air Miles Reward Miles PROUD PARTNER WITH AIR MILES® REWARD MILES https://www.nikkimortgagespecialist.com/mortgageminutes daily 0.75 2023-01-01 https://www.nikkimortgagespecialist.com/realtorchats daily 0.75 2023-01-01