Nicky Nguyen - Mortgage Loan Originator

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

Choosing a Loan Officer isn’t just about getting a rate.
It’s about having someone who understands your situation, knows how to think outside the box, communicates clearly, and tells you the truth even when the answer isn’t what you hoped for.
I’ve worked with first-time buyers, self-employed borrowers, investors, and complicated income situations.

📩 If you’re thinking about buying, refinancing, or investing, send me a message. Let’s see what options make sense for you.

Did you know?
If your car loan has fewer than 10 payments remaining, lending guidelines may allow that payment to be excluded from your debt-to-income (DTI) ratio.
That could help you qualify without paying off your remaining car loan balance first.

This closing for an experienced investor is successfully closed.
Whether you're purchasing your first home or adding your next cash-flowing investment property, every transaction receives the same level of dedication, attention to detail, and commitment from start to finish.
No matter where you are in your real estate journey or where you're investing - We are here to help you close with confidence.

Texas Team ACE for negotiating an outstanding deal:
✔️ Lower purchase price
✔️ Seller-paid closing costs
✔️ Repairs negotiated before closing

📍Licensed to help investors build wealth through real estate.
🏡 Primary • Investment • Refinance

A happy closing ending to July 2026. We saved money, overcame every hurdle, and got this sweet family settling in their dream home. Nothing beats moments like these! ❤️