Nicky Hungerford
Loan Officer
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NMLS ID# 278328
Contact
Tuesday: 9am – 5pm
Wednesday: 9am – 5pm
Thursday: 9am – 5pm
Friday: 9am – 5pm
About Nicky
At Lower, we believe that the journey to homeownership should be as smooth and rewarding as possible. Whether you’re buying your first home, refinancing, or exploring your options, my goal is to provide personalized guidance and creative solutions tailored to your unique needs. The mortgage process doesn’t have to be overwhelming—I’m committed to simplifying it and ensuring you feel confident every step of the way. With access to industry-leading tools and resources, I’ll work hard to find the right solution for your situation and help turn your dreams into reality. Let’s connect! I’m excited to learn more about your goals and help you take the next step toward homeownership. Together, we’ll make it happen. Reach out today, and let’s get started!
I am licensed in: CO
Nicky had confidence in us when we didn't have it for our selves,amazing communication and what a great experience ,she changed our lives forever,thank you Nicky and Pam for everything you guys did for us.i would recommend Nicky's services to anyone,if we can do it anyone can own a home.thanks so very much again for the confidence and your time.we're so happy in our new home!!! The Morrows!!
Eric M.
Verified Customer
June 20, 2026
We never thought that we would be homeowners again and then we met Nikki. She made this experience so relaxing and so rewarding. Nikki went above and beyond for us and we will always appreciate that. Thank you again Nikki for everything.
Terri M.
Verified Customer
June 7, 2026
Nicky made this whole experience absolutely incredible. She went above and beyond in every single way, and I truly appreciate all the hard work and effort she put in. I am so grateful that we chose her to teach us and lead us through this process.
Hudson S.
Verified Customer
May 11, 2026
Nicky was so incredibly helpful in communicating and educating us on what needed to get done / when / why . Understanding all those things made this process so easy and fun, and it's all thanks to her.
Katheryn L.
Verified Customer
April 30, 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.