Nikki Benefield
Loan Originator
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NMLS ID# 2693724
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Nikki
Nikki Benefield is a Loan Originator based in Oxford, Alabama, working with Team ACOPIA to help homebuyers and homeowners navigate the mortgage process. She supports clients through each stage of financing, from initial consultation through closing, with a focus on clear communication and personalized loan solutions. Nikki works to help borrowers understand their options and select programs that align with their financial goals. Her approach emphasizes responsiveness, guidance, and creating a smooth, straightforward lending experience for every client she serves.
I am licensed in: AL
Nikki was top notch. She patiently walked me through every phase of the mortgage process. She answered every time I txt or called with questions, and i had a few bc this is our first time buying a home. Even when I didn't, she'd reach out and lmk every time there was progress with the loan. She got me a great interest rate, better than any other lender I spoke with, and even got me a great rate on my insurance. She didnt stop with just one or 2 quotes. She stopped when she found the price o was comfortable with. All in all, Nikki was such a big part in making a usually stressful and difficult process easy and fun. I had tried before and got too frustrated and gave up. Her and my agent Randall made this experience a breeze. Would 100% recommend Nikki every time! Thank you so much!!!
Luke S.
Verified Customer
June 13, 2026
Nikki was top notch. She patiently walked me through every phase of the mortgage process. She answered every time I txt or called with questions, and i had a few bc this is our first time buying a home. Even when I didn't, she'd reach out and lmk every time there was progress with the loan. She got me a great interest rate, better than any other lender I spoke with, and even got me a great rate on my insurance. She didnt stop with just one or 2 quotes. She stopped when she found the price o was comfortable with. All in all, Nikki was such a big part in making a usually stressful and difficult process easy and fun. I had tried before and got too frustrated and gave up. Her and my agent Randall made this experience a breeze. Would 100% recommend Nikki every time! Thank you so much!!!
Lucas S.
Verified Customer
June 13, 2026
Nikki was very kind , thoughtful and always was available to answer questions for me and if there was anything she didn't know, she would get the answer for me.
Tristan B.
Verified Customer
May 27, 2026
Communication skills, personality, and helpfulness were all amazing
Isabella J.
Verified Customer
May 23, 2026
Nikki made my first time buying a home feel so manageable, and I truly appreciate that! She is extremely helpful and patient. i always felt certain and informed, every step of the way, and I could not be more grateful!
Destin H.
Verified Customer
April 21, 2026
How much house
can I afford?
Fine-tune your payment based on interest, rates, term, and down payment.
Est. Monthly Payment
(P&I, Taxes & Insurance)
Est. Affordable Purchase Price
$1,814.04Rates and estimated payments are based on hypothetical scenarios and are only to be considered for illustrative purposes. Includes estimates for taxes (~1.1% annually), homeowners insurance (~0.5% annually), and PMI (~0.85% annually when down payment is below 20%). Does not include HOA fees. Rates vary and not everyone will qualify for the same rate. Rates are subject to change at anytime.
