Nicolas and his team are AMAZING! if your looking for someone to take great care of you no matter your financial situation call Nicolas! He has tons of experience and knows a ton of little tricks to help get you approved and get you into that house you always wanted. Give him a call! He got me a grant for down payment forgiven at closing. I got my house for $1000 dollars earnest money which I got back at closing. if you don’t like to make the most out of your money call someone else.. I guess.