Nick De Simone has been a Mortgage Loan Originator for over 14 years and currently represents U.S. Bank Home Mortgage in their Branch Retail lending division. Nick has built his reputation in the local real estate market by establishing referral partnerships with real estate agents and other professionals in peripheral industries, and has become a trusted advisor for his partners and their customers. The mortgage industry has become very challenging over the past several years due to increased compliance and federally dictated underwriting guidelines that have tightened up significantly, which makes it increasingly important for homebuyers and mortgagors looking to refinance to work with an experienced mortgage professional that knows how to navigate the obstacles that come up frequently during the loan application process. Nick prides himself on his responsiveness and efficiency and his ability to navigate these difficult waters has endeared him to many top producing realtors in the area and throughout the country, as he is licensed to lend in all 50 states. He is constantly networking with local businesspeople in an effort to expand his sphere of influence, and joined the BergenBiz board this fall in pursuit of that endeavor. In addition to offering competitive interest rates and fees, U.S. Bank offers an incentive to mortgage customers who open a U.S. Bank checking account with a $25 deposit, providing a lender credit of .25% of the loan amount (maximum $1,000) to offset their closing costs. The level of customer service Nick provides his customers has resulted in 200 five star reviews on Zillow and glowing testimonials from many local real estate agents. Nick resides in Hawthorne, NJ with his wife of eight years Jocelyn, rescue German shepherd mix Juno and rescue domestic shorthair Ashes, and is an avid foodie/restaurant goer. He is diehard fan of the New York Giants, Brooklyn Nets, and New York Mets and a long-time professional wrestling enthusiast, attending five Wrestle Manias and countless other wrestling events and concerts. His “happy place” is Hilton Head Island, South Carolina, where he vacations annually with his family.