Nicolas Kerby

Nicolas Kerby

Senior Mortgage Loan Originator
NMLS #1022326
CALL ME
Office: 725.217.1414
Call or Text: 702.403.5517
LOCATION
3701 Arco Corporate Drive, Suite 200,
Charlotte, NC 28273

About me.

Mortgage lending is more than selling loans. It’s about helping people achieve their homeownership goals. Whether that’s helping them reach a better financial position or connecting them to the home of their dreams, it’s about guiding them to the finish line.

My industry experience has taught me to take the time to understand my customers: What’s their story? How can I help them in their pursuit of a home? When I see my customers as real people with real goals, needs, and dreams, I get to match them with the best loan product and create a truly seamless lending experience.

Everyone has a story to tell. What they need is a Loan Originator who will listen, customize a loan to meet their needs, and guide them every step of the way.

I look forward to working with you!

Lets connect.

Your home buying or refinancing journey starts here. Fill out the form to get in touch.

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My reviews.

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“The professionalism and excellent follow-up (emails and phone calls) were paramount in making me feel safe and secure in my refinancing experience. I believe the Team is very knowledgeable and they made me feel comfortable in my decision to go with Cardinal. Oh, love the Octane feature too!”

Laura | Greenville, SC
Experience.com | April 2022
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“Your entire team made the process stress free. Every step was communicated clearly and each person we spoke with lend a helping hand. Best experience we have ever had during a home loan process.”

Christopher | Port St. Lucie, FL
Experience.com | April 2022
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“Great people to work with. The dashboard was helpful in keeping up with the entire refinancing process.”

Ross Rhinehart |
Google | 5/8/2022
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“Excellent service, especially in patiently explaining all of our options and details of the loan.”

John | Downers Grove, IL
Experience.com | April 2022
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“Everyone was very pleasant and stayed on top of getting everything done quickly.”

Hennes | Summerville, SC
Experience.com | April 2022
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“Excellent and quick communication. Very timely overall and eager to help.”

Charles | Canton, MI
Experience.com | April 2022
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“Everyone was very helpful. If I had any question they answered fast.”

John | Durham, NC
Experience.com | April 2022
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“Fairly straightforward process, and good communication.”

Christopher | Pittsburgh, PA
Experience.com | June 2022
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“Quick financing completed”

Gregory | Dallas, TX
Experience.com | April 2022

Loan process
overview.

Getting a mortgage or securing a better rate with a refinance doesn’t have to be a migraine. Here’s a high-level look at the process.
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Connect and apply.

First, get your free quote. Then one of our loan originators will be in touch to say hey, discuss your goals and options, and walk you through the application process. 
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Lock and close.

Whether you’re purchasing or refinancing, our underwriting team crosses the t’s and dots the i’s to verify your info. We’ll update you on your progress every step of the way.
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Make yourself at home.

Once your loan is locked and you’ve signed your closing disclosures, you either get your keys or you get on with your life in the home you love, with the rate you deserve.
Explore mortgage
options.
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Crunch the numbers.
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Read our blog.
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Ready to get financed?

Start the process today with a personalized rate quote. There's no cost and no commitment.