Nicky Nguyen - Mortgage Loan Originator

Calling active homebuyers
Please keep this in mind when you compare loan estimates from different lenders:

When I know an HOA fee is likely to apply, I prefer to include a rough estimate upfront. My goal is not to make my Loan Estimate look cheaper today. My goal is to give you a realistic idea of what you may actually need to pay at closing.

Sometimes one Loan Estimate looks lower simply because certain third-party or HOA-related fees are not included upfront.

If the property has an HOA, there may be transfer fees, resale certificate fees, questionnaire fees, or other charges that will be collected at closing. When these fees are left out of the initial estimate, that lender’s numbers may look lower than another lender who is providing a more realistic estimate.

To be fair, this does not automatically mean the lender is breaking the law. The important thing is to compare the same costs and the same assumptions side by side.

No trick, no games, and no surprise fees. I would rather be honest from the beginning than show you a lower number now and have additional costs appear later

$10,000 today and $10,000 spread over 30 years are not economically equivalent.

You’re negotiating $10,000 off the price. But what if there’s a better way to use that $10K?

Personally I will pick $10,000 seller credit ALL DAY EVERYDAY. $10,000 today is an instant saving!

VA: 0% down potential + no monthly PMI
Conventional: 3%+ down + PMI may apply

VA also looks at residual income, while Conventional focuses heavily on DTI.
If you’re VA eligible, know your options before choosing your loan.

Nicky Nguyen
Licensed Mortgage Loan Originator
NMLS 2168494

If a qualified veteran has full VA entitlement, there is no VA county loan limit restricting a $400K loan. VA says a Veteran with full entitlement can obtain a loan amount based on what the lender approves and what the property appraises for.

Nicky Nguyen
Licensed Mortgage Loan Originator
NMLS 2168494

What happens to parents when they co-sign?

1. They’re responsible for the mortgage.
If the child doesn’t pay, the parent is still responsible for the debt.

2. It goes on their credit.
The mortgage appears on their credit report and late payments can hurt their credit.

3. It can affect future borrowing.
The mortgage debt may be counted when they apply for another loan, refinance, or HELOC.

4. Their finances may be reviewed.
Lenders may review their income, assets, debts, and credit to qualify them as a co-borrower.

Dealing with a big corporation as the seller or a For Sale By Owner (FSBO) can often require even more work behind the scenes.

Just when you think everything will run smoothly and you can buy and sell a house on your own without the professionals, rethink that decision very carefully.

With us, you have a team here to support you all the way until the transaction is done, clean, and closed. No dropping responsibility in the middle. No disappearing when things get complicated.

Huge thank you to Cammy Marzitelli-Dodd and Dana Thoi at Texas Title for going working day and night to collaborate effectively with the seller’s side to help us get to the closing table. Your dedication and teamwork are truly valuable.

Vinh Pham Great job negotiating a purchase price well below market value for our buyers, especially with the solar panels already paid off!

Bank Statement Loan?
A Bank Statement Loan is a mortgage program that allows you to qualify using your bank statements to verify income instead of traditional documents like pay stubs or tax returns.
This can be especially helpful for self-employed borrowers whose tax returns may not fully reflect their actual cash flow or earning capacity.

This program may be a great fit for:
• Nail technicians & beauty professionals
• Self-employed individuals
• Freelancers & independent contractors
• Small business owners
• Business owners with non-traditional income
• Borrowers whose tax returns don't accurately reflect their current income

Need a Pre-Approval?
Nicky Nguyen / Nicky Chon
Mortgage Loan Officer | Real Estate Investor
NMLS #2168494
Residential Mortgage Loan Officer
Confidential - Experienced - Transparent - Responsive

If you’re receiving retirement income, you may still qualify for a mortgage to buy a home for yourself or even an investment property.
These are all common and acceptable sources of retirement income that can potentially be used to qualify for a mortgage:
✅ Social Security benefits
✅ Pension income
✅ 401(k), IRA, or other retirement account distributions
✅ Government retirement benefits
✅ Military retirement pay
So, if you’re retired and thinking about buying a home, don’t assume you can’t qualify just because you’re no longer working!
Want to know if you or your parents may qualify based on your specific situation?
💬 Send me a message or leave a comment below!

Honored to be named one of D Magazine’s Best DFW Mortgage Loan Officers and Top Producers for 2026.

This recognition means a lot, but what truly matters is the trust of my clients, the support of my amazing family, friends, Absolute Mortgage & Lending, and the blessings from God that make it all possible.

I’ve always believed in working hard, never giving up, expecting less, and be open-minded to the new and the better 💪🏽🔥

Nicky Nguyen
Residential Mortgage Loan Officer
Transparent • Experienced • Above & Beyond