Mortgage Information

Your home is one of the largest financial commitments that you will make during your life. Our mission is to carefully guide you through the entire home loan process, so that you feel confident as you make choices about the many options available for your financing strategy. When evaluating your total loan amount, you'll need to have a professional lender estimate your total monthly mortgage. This is why you should get a "good faith estimate" or "GFE" from those loan officers before shopping for a home. This way you know what price range you should be searching in.  


Do you need help with the loan process? Call one our loan expert for a detailed step by step guide to the entire loan process. Our goal is to help "demystify" the process for you. By educating yourself on the basics of buying a home, you can save yourself a lot of money, time and aggravation.

Below is a list of recommended lending institutions that I have dealt with over the years. We are not affiliated with these lenders in any way, but we really like the service and rates they provide. Feel free to contact me if  there is any other way I can help you to secure the best possible rate for your home purchase:


Oray R. Nicolai

Senior Loan Officer, NMLS# 510006

Stearns Lending,LLC


11350 Random Hills Road, Suite 800 Office 862

Fairfax, VA 22030 Branch NMLS# 1854

Cell:  703-989-5249

Fax:  855-254-8278

 Stearns Lending,LLC


Scott Kinne

Vice President

First Heritage Mortgage, LLC

3201 Jermantown Rd, Suite 800 

Fairfax, VA 220130

Office: 703-2936146 Cell: 571-237-6241


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