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We continually recommend Nick Vallario to our valued clients. We appreciate his expertise, ability and willingness to work with more than one lender to help us reach our goals. His dedication and commitment to servicing his client’s requirements, coupled with his knowledge and experience in the mortgage industry make him an invaluable asset to our real estate business. Nick is a first class professional whose ability to structure solutions and find advantageous financing sets him apart. Nick has always provided us and our clients with great service and attention and consistently exceeds our expectations.


Ron Moore and Judy Jones, Russ Lyon Sotheby’s International Realty



I have used Nick for my personal lending needs as well as the needs of my clients over many years.  In this day of internet financing, it is nice to have Nick on your side.  He gives each loan his personal touch and will make sure you are informed and satisfied with every aspect of the loan process.  I would and do recommend Nick Vallario for all of my mortgage needs.



Dave Chilelli CRS, Homesmart



I was referred to Nick many years ago by a friend. I think it was one of the best referrals I've ever received. Nick has worked with me through many refinances and tricky tax-related situations. He also helped me finance a new home when I was going through my divorce. He never tried to sell me on a product or convince me to make a move that didn't make sense, even if that meant hurting his pocketbook. Nick was always very knowledgeable about his products and always told me the truth. But what was more striking was that he was willing to admit when he didn't know something and needed to do more research.


Jesse Hallowitz




Nick has been my lender of choice for family, friends and numerous clients for 25+ years, his commitment is 110% to everyone and has never once, not one time failed to “close the deal”!


Gail Yancey, ABR, GRI, REMAX



I have used Nick as my primary lender for over 20 years.  I have not only referred him to clients but also my friends and family.  Knock on wood, I've never had a single complaint.  Which in this business is very rare.  Now with these rates he's able to secure, it's a magic combo.  Looking forward to many more years of business.


Tom Anderson, Realty Executives





Covenant Home Loans: NMLS1811403


Nick Vallario: NMLS 180861




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