Nicole Francis

Senior Loan Advisor

NMLS #345159

NV Lic #64085


As a seasoned professional with more than 13 years of experience in the mortgage industry, Nicole Francis brings a positive attitude and a comprehensive understanding of all aspects of residential financing and mortgage lending to RPM. Throughout her career, she has closed more than 1,000 total transactions for construction loans, self-employed borrowers, hard-to-place super jumbo loans and is equipped with the knowledge and expertise to solve nearly every challenge that comes her way. She prides herself on being responsive and is always focused on the overall financial needs of her clients. Her dedication to customer service has rewarded her with a long list of glowing customer testimonials.

Nicole’s experience is not limited to financing. She has personally invested in the construction of 12 custom homes, which gave her in-depth experience in both construction and construction lending. She has also managed several of her own rental properties over the years.

With a passion for helping people, Nicole’s number one goal is to create financial health on a holistic level. In 2009, she co-authored a book on loan modifications and led a series of educational seminars to both REALTORS® and consumers on default prevention and resolution. She has always believed in being a part of the solution.

With a fondness for the outdoors and recreation, in her spare time, she enjoys mountain biking, snowboarding, surfing, hiking and camping.


  • Nicole was a game changer for me, THANKFULLY!!!! Not only was she super educated, professional, compassionate and sweet....She got me a substantial loan modification!! I will be honest...It took a couple of tries, but she completely persevered on my behalf and I will be able to keep my home because of Nicole. She is well priced and just a good, nice person!! I trust her completely.
    — Megan A.
  • I first came to Nicole for advice on a home purchase. She explained everything very thoroughly. I purchased my first home and Nicole was the reason it went so smoothly. I had very little knowledge in the mortgage world and Nicole made me feel quite confident. I highly recommend Nicole to anyone whether a first time home buyer or a real estate investor.
    — Myles L.
  • Nicole has helped many of my clients find mortgage products that fit their many cases, she was able to find outstanding products that no one else could! She was always easy to reach, had answers, and was extremely professional. I would recommend anyone looking for mortgage services contact Nicole, you will be glad you did!
    — Alex MinBetter Homes and Gardens
  • Nicole: Thank you so much for all your assistance with finding the right mortgage for us. I especially appreciated your tremendous flexibility given my challenging schedule and availability. I would definitely recommend you to anyone who is looking for a flexible, very knowledgable and patient individual to help find the right mortgage for them.
    — Dag Jakobsen
  • Nicole is my go-to loan officer. She has handled numerous loans for me including my primary residence and investment properties. She's professional, very knowledgeable, responsive and easy to work with. I highly recommend Nicole for all of your lending needs.
    — Daniel F.
  • I've worked with Nicole Francis multiple times for my mortgage needs. Nicole is extremely professional and available throughout the mortgage process. She's very customer focused and always willing to take the time to explain the details of the process. Will definitely work with her again in the future. Thank you Nicole for your help!
    — Sonall D.
  • I wish to thank Nicole Francis for her professional and courteous service through the whole process of obtaining our mortgage. She presented initial rates and closing costs when we first inquired about refinancing our mortgage. When we finally closed, all the finances worked out as initially specified. We were very pleased with the refinance results which she made as straight forward as possible.
    — Anthony B.
  • Nicole was extremely helpful in getting us our home loan. She was always available to answer any question my wife and I had (and believe me my wife had many!). When our realtor suggested we go with Nicole it was a God send. Nicole walked us through every aspect of the loan process and every option we had. She made an extremely stressful situation easier to get through. We now have our house thanks to Nicole!
    — Brandon S.

Client Wins

Happily Ever After
Go Digital, Save Time With eClose
You’re in Safe Hands
Fixing For the Future


Phone: 775.846.1839

521 North Lake Blvd, Suite 105B

Tahoe Vista, CA 96145

  • Hidden
  • This field is for validation purposes and should be left unchanged.