Our promise is simple.
We bring reliability home.
Why choose NRL?
What we do is important, but what defines us is how we do it. We strive to earn your business for life by doing things right and doing them well.
Speed
We never miss a beat. We tackle complexities with expertise, making quick and accurate decisions that help you get to closing and into your new home faster. We provide proactive communication and support that keeps the process moving by being accessible 24 hours a day, 7 days a week.
Selection
Love where you live with a loan that fits your life. Your NRL loan originator takes the time to understand your needs, status and long-term goals to find the loan that makes the most sense for you and your family. We offer over 100 loan programs and innovative lending solutions to make home ownership accessible to more families.
Service
We are a mortgage company made up of homeowners. Most of us at NRL have been where you are right now, and we want to help you feel confident in navigating the mortgage process. Simply put, we treat you the way we would want to be treated. Every NRL associate involved in your mortgage process takes ownership in providing enthusiastic, reliable service every step of the way.
We are NRL.
"Even though we’re a mortgage company, our loan programs aren’t our product. Our true product is the experience we create for our borrowers. We differentiate ourselves with the level of care and consideration we put into every relationship. We never let ourselves forget that at the heart of every transaction is a home, a family, and a life decision. We see every loan we close as an opportunity to make a positive impact.”
– Ron Zach, President, CEO
Testimonials
What did you like about our services?
August 22, 2019
- Jeffrey R.
- Cody and his team had great communication with us during every step of the process. They worked hard to get me approved quickly and closed on our new house!
August 21, 2019
- Justin L.
- JT and his team are super helpful and attentive to every detail. They made the complex process of getting a mortgage very smooth and easy.
August 21, 2019
- Logan G.
- The entire NRL Mortgage staff was very professional and handled my case with ease.
Loan Types
Conventional
3%
Down Payment Minimum
Conventional Loans
Our most popular loan type
A conventional loan is one that is not backed by the government. Conventional programs come in a variety of options.
FHA
3.5%
Down Payment Minimum
FHA Loans
For flexible lending standards
The FHA's role is to financially back home loans to mitigate much of the risk of non-payment and foreclosure from private lenders.
VA
0%
Down Payment Minimum
VA Loans
For our heroes in uniform
This program has been instrumental in assisting millions of American Veterans and their families qualify for a home l
USDA
0%
Down Payment Minimum
USDA Rural Loans
An alternative to city living
The USDA Rural Housing Guaranteed Loan Program provides financing to low-to-moderate income families living in designated rural areas.
Jumbo
3%
Down Payment Minimum
Jumbo Loans
For big dreamers
A jumbo loan is one where the amount borrowed is greater than the loan limits set by the Federal Housing Finance Agency (FHFA).
Other
10%
Down Payment Minimums Vary
Other Loan Types
For those with unique needs
We offer creative lending solutions with specialized and flexible guidelines to fit varying needs and make more families eligible.
Mortgage 101
The process of buying a home may seem daunting, but it doesn’t have to be.
We designed our free Mortgage 101 guide to help you understand how it works and know exactly what to expect.