nrino@houseloan.com
505-278-5589
Nick Rino
Buying a home or exploring a refinance? Connect with Nick to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Nick
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Nick
Nikki has helped us purchased 3 homes. She’s the best! We won’t use anyone else
Thank you for helping us with all the financial aspect of finding a home.
Nikki and team make dreams become reality! 💪🏡
Nikki and her team were absolutely wonderful throughout the whole home buying process. Made my first time home buying experience smooth and exciting!!
I had an amazing experience working with Nikki throughout my FHA home loan process. As a first-time homebuyer, the process could have been overwhelming, but Nikki was incredibly helpful, patient, and responsive every step of the way. She took the time to explain everything clearly, answered all of my questions, and helped make the entire process feel much less stressful.
Thank you cornerstone for helping us with our first home here in Farmington. A big thank you to Nikki Sandoval. She went above and beyond for us. Thank you so much for your help. Really do appreciate you.
Nikki and Ari are the best! always a smooth transaction.
Working with Nikki Sandoval-Belt at Cornerstone Mortgage was an outstanding experience from start to finish. Nikki was knowledgeable, responsive, and made every step of the loan process easy to understand. Her communication was excellent, and she worked hard to ensure everything stayed on schedule. I always felt like she had my best interests in mind and went above and beyond to make the process as smooth and stress-free as possible. If you’re looking for a top-notch mortgage lender who truly cares about her clients and delivers exceptional service, I highly recommend Nikki Sandoval-Belt and the team at Cornerstone Mortgage!
The amount of work that these gals put into making dreams a reality is unmatched. Wish I could give more stars.
Extremely helpful in all aspects of a home purchase from beginning to end if you don't know where to start on buying a home this is where you go. Personally never thought buying a home was possible and Nikki and her team made it possible would highly recommend!
Working with Nikki was the absolute best experience. She was very responsive to every question on need I had. Nikki was quick and the entire process was smooth and easy! I would use Nikki and her team again!
Let’s connect
Contact Nick
Share a little about your plans and how to reach you.
Office locations
Building L, Suite 13102
Farmington, NM 87401
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Nick today.
