Nicki Harlow, NMLS#232259, 4 Hutton Centre Dr. Ste 1000, Santa Ana, CA 92707, Branch NMLS#3925, 626.221.1104,805.335.3004, Licensed In CA, AZ, NV, Link here for corporate licensing: https://kindlending.com/legal/licensingArizona Mortgage Banker License #0943427, For State of Nevada residents Kind Lending, LLC is a mortgage lender promoting the loan products or services contained in this article; the business phone number that Kind Lending, LLC maintains on file with the State of Nevada Department of Business and Industry is 714-844-7700. Licensed by the Department of Financial Protection and Innovation under the CA Residential Mortgage Lending Act©2021 Kind Lending, LLC. 4 Hutton Centre Drive, Suite 1000, Santa Ana, CA 92707. All Rights Reserved. NMLS #3925 www.nmlsconsumeraccess.org.Equal housing lender | Equal opportunity Employer

I joined Stearns Lending, LLC in 2013 with over 25 years of experience in home financing. I believe that buying a home should be an exciting and fulfilling experience. I make it my goal with every borrower to deliver a smooth transaction that is respectful of my client’s time, budget and financial goals.My background in loan originating provides me with a valuable perspective into the mortgage process. Stearns Lending, LLC offers a wide array of products which helps me provide borrowers with the loan that best fits their financial and personal needs.Headquartered in Santa Ana, California, Stearns Lending has provided mortgage lending solutions throughout the United States for over 25 years. Stearns is licensed and approved to conduct business in 49 states and Washington D.C. Stearns Lending’s business channels include wholesale, retail, correspondent and strategic alliances.Contact me today to learn more about Stearns products and services. We can help you!®NMLS# 232259, Branch NMLS # 1151291, Stearns Company NMLS# 1854; www.nmlsconsumeraccess.org. Equal Housing Lender. Disclaimer: http://bit.ly/1ek1Sb0

I managed a retail processing staff as well as continued to grow my builder and client relationships.

Loan origination from residential lending and continued to nuture my great relationships with my preferred builders and working with communities to help in affordable programs.

At Countrywide Home loans, I worked with an incredible management team that instilled many of the best practices I follow today.

At National City Mortgage I began my long career in Residential Lending. It was here that I first started working and cultivating builder/lender relationships.