About

“Mortgage lending is more than a good interest rate. When you are talking about perhaps the biggest investment in one’s life, it should be one of your best decision making experiences ever.”

Nick Lovato and his team understand this motto. He is a seasoned top producing Loan Officer who cares about educating clients on the latest most innovative options in the market place. After working with Nick, his clients have a true understanding of what their options are and a positive outlook on which mortgage they choose. Nick Lovato will work to help you get a great loan, or in other words, the right loan for you!

Nick Lovato was directed into the mortgage industry more by accident than by plan. During his formal education at the University of Utah as a Political Science major, Nick was offered a fellowship in Washington DC with the Senate Banking Committee. After his tenure, he returned home to Utah. Nick felt his experience in DC might translate into opportunities in the financial industry.

Since 1993, Nick has been making a name for himself in many arenas in finance. Nick started in the residential mortgage industry and then worked himself into commercial lending, where he worked as the Marketing Director for a Fortune 500 Company. In 1996, he went back into residential mortgage, his first love, where Nick excelled at a rapid pace and became a Vice President of Academy Mortgage. Nick really missed the one-on-one interaction with clients, so he stepped away from management to work with his personal business relationships with his clients.

After being a top producer at Axiom Financial, he joined forces with the innovative mortgage lender, Citywide Home Loans. Since August 2002, the joint forces of Nick Lovato and Citywide’s staff of mortgage professionals have been able to serve his cliental in service, professionalism and the highest ethics in the industry.

Nick Lovato also has an incredible family. He loves spending time with his two wonderful boys and his beautiful wife. He is an outdoor enthusiast. Nick enjoys great music, movies, college and professional sports and dining out.

Nick Lovato would love to talk to you personally and see how his experience can help you purchase your next home, or even see how he can lower your mortgage interest rate. Give him a call today!

Words of Praise

I have used Nick Lovato for all of my Mortgage needs, and trust him without hesitation. I have built 2 homes, and have done multiple refinancing all using Nick’s expertise. He looks at each individual’s goals and provides sound recommendations. I recommend Nick to both the new home owner or someone seasoned like myself for outstanding results.

Brian Ortega

In the process of purchasing our first home, my wife and I shopped around for a loan officer we felt comfortable with. After working through a few referrals we settled on Nick Lovato. It was the best decision we could have possibly made. Even with all of the hurdles that are required to finalize a home purchase, Nick and team made it very smooth.

His constant communication and openness to questions allowed us to feel as though we were truly involved in and in control of the process. He more than exceeded our expectations and we closed nearly a week earlier than expected. Thanks to continued communication and sincere appreciation shown by Nick we have even been able to reduce our interest rate since then and he has saved us more than $500/month in interest. Absolutely fantastic.

Craig Lloyd

Nick Lovato and I have been working together since 2005. Together we have helped hundreds of homeowners take care of their housing needs. He has never once failed to deliver on time. Whether you’re a first-time homebuyer, an investor or you’re buying your dream recreational property. Nick is the best lender I have ever worked with.

He goes above and beyond for his clients. Nick Lovato is the only lender I trust with my personal mortgage needs.

Curt Casper

My wife and I had a great experience working with Nick Lovato and would recommend him to anyone. Nick is very professional and extremely helpful in explaining difficult concepts and navigating the lending process. He kept in constant contact with us and always made himself available for our questions.

Nick and Carley

Nick has been originating the loans for my clients for over 13 years. The reason I keep referring my clients, friends, and family to him is simple; Nick is a true professional. Nick ensures that his clients are aware of every option, understand those options, and helps them make an informed decision when selecting a loan product.

Further, he and his team’s consistent communication with the client throughout the underwriting process gives his clients peace of mind from start to finish. Because of these reasons (and more) he has been, and will be, my go-to lender for a very long time.

Words of Praise

Brian Ortega

Craig Lloyd

Curt Casper

Nick and Carley

T Carter Maudsley