Mortgage Loan Consultant
Nicole Vaivadas, Mortgage Loan Officer
Finding the right mortgage should feel straightforward. Whether you’re buying, refinancing, or investing, we combine competitive rates with clear, expert guidance to help you move forward with confidence. A smooth, simple, and stress-free path to financing starts here.
Licensed in CA, FL, OR, WA.
NMLS #135840 · Company NMLS #236669 · Equal Housing Opportunity · NMLS Consumer Access
About
About Nicole
Nicole Vaivadas is a dedicated Mortgage Loan Consultant with ARBOR Financial Group, offering a wealth of experience and a passion for helping clients navigate the home financing journey with clarity and confidence. With a background in accounting and finance, Nicole joined the mortgage industry right after college and has since worked in nearly every area of the field—always with a strong focus on working directly with borrowers.
Originally from Florida, Nicole has lived throughout the Puget Sound region, from Tacoma to Edmonds, and now calls Bellevue, Washington home. Over the years, she has gained extensive experience in home equity loans, reverse mortgages, FHA/VA, conventional, construction loans, and more. She’s particularly skilled in working with home builders and offers personalized support to clients ranging from first-time homebuyers to luxury property investors.
Outside of work, Nicole and her husband enjoy boating, fishing, and spending time on their ranch in Yakima, where they raise cattle, pheasant, hay, and Washington fruit. A proud cat mom to Gabby, Nicole also supports local cat rescue organizations, and when time allows, she loves traveling back to Florida to visit family and friends.
Nicole Vaivadas and her team at ARBOR Financial Group are committed to making homeownership simple, stress-free, and accessible—and look forward to helping you reach your financing goals.
Licensed in FL and WA.
Loan Options
Explore Home Loan Options
Whether you are buying, refinancing or investing, Nicole can help you compare the programs that fit your goals.
ARBOR Financial Group
Why Choose ARBOR Financial Group
Whether you are buying your first home, refinancing, or comparing mortgage options, ARBOR Financial Group delivers personalized guidance, competitive rates, and a streamlined lending experience. Backed by an experienced team and proven process, we help you move forward with clarity and confidence from application to closing.
Options across 150+ lenders
Nicole compares home loan options across 150+ lenders to find the rate, terms and program that fit your goals.
Licensed in 4 states
Licensed in CA, FL, OR, WA.
Guidance to closing
One point of contact who walks you through each step, from application to closing.
Compare with confidence
Comparing options won't affect your credit score.
FAQ
Mortgage Questions Answered
Clear answers to common home loan and refinance questions. Have another question? Call Nicole.
What services do you offer?
We specialize in a wide range of mortgage solutions, including conventional loans, FHA, VA, jumbo loans, and more. Whether you are a first-time homebuyer, self-employed, or looking to refinance, we have tailored options to fit your needs.
How do I get started with a mortgage application?
Getting started is easy. You can reach out to us for a quick strategy session where we’ll discuss your goals and gather some initial details. From there, we guide you through pre-approval, document collection, and the entire loan process step by step.
Am I a strong candidate for a conventional home loan?
Borrowers with stable W2 income, a 620+ credit score, manageable debt, and documented assets are typically strong candidates for conventional financing with competitive rates and flexible terms.
How much down payment do I realistically need to buy a home?
Many qualified buyers purchase with 3% to 5% down on conventional loans or 3.5% down on FHA loans, depending on credit profile and overall financial strength.
Is an FHA loan right for my situation?
FHA loans are often a good fit for first time buyers or borrowers with moderate credit who want lower down payment options and more flexible qualification guidelines.
How do lenders evaluate self employed income?
Lenders typically average the last two years of net income shown on tax returns. Consistent earnings, organized financials, and stable business history strengthen approval.
Can I qualify if I own a business or receive 1099 income?
Yes. Self employed and 1099 borrowers can qualify with proper documentation, steady income history, and strong credit. Clean records help ensure smoother underwriting.
What makes an investment property loan approval strong?
Strong investor files usually include solid credit, adequate reserves, rental income support, and appropriate down payment, typically 15% to 25% depending on loan structure.
When does refinancing make financial sense?
Refinancing may make sense when you can lower your interest rate, reduce your monthly payment, shorten your loan term, or improve overall financial positioning.
What is the first step to get started?
The first step is a mortgage pre approval. This includes reviewing income, credit, and assets to determine eligibility and provide a clear purchase or refinance strategy.
Ready to Get Started With Nicole?
Talk through your goals and compare your options with a licensed loan originator.
Comparing options won't affect your credit score.