Nick West | UNFCU

Nicholas West brings more than 35 years of residential mortgage lending experience to UNFCU, combining extensive product knowledge with a relationship-driven approach. Recognized among the nation’s top 1% of mortgage originators in 2020 and 2021, Nick is known for responsiveness, trust, and financing solutions tailored to each borrower’s goals.

With annual mortgage production exceeding $30 million, Nick specializes in conventional, jumbo, portfolio, government, construction, and investment property financing. He serves first-time and move-up buyers, homeowners, investors, and high-net-worth clients, with expertise in complex income situations and customized strategies.

Based in Monmouth County, New Jersey, Nick serves borrowers locally and across the US. He provides thoughtful guidance and dependable service throughout the mortgage process, helping members finance first homes, luxury properties, investment properties, and refinances.

His approach is simple: Understand each client’s needs, identify the right strategy, and deliver a smooth, informed experience from application through closing.

NMLS Registry Number: 65814

Connect with me directly:

Office:
Cell: +1 732-673-4901
nwest@unfcu.com

Business Hours:

09:00–18:00 (New York time), Monday–Friday

Branch address:

United Nations Federal Credit Union
Court Square Place, 24-01 44th Road
Long Island City, NY 11101, USA

All UNFCU mortgage representatives are permitted to lend in all 50 states.

Click below to submit your application directly to me. I will be in contact with you within 24–48 hours to review your application and discuss any special circumstances you may have.

Start your application

Today’s featured rates

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APR = Annual Percentage Rate. Rates listed are based on a 45-day lock for purchase. The rates assume a loan amount of $640,000, a credit score of 740 or higher, a 20% down payment, and a debt-to-income ratio less than 40%. Rates and fees may vary and are based on factors including, but not limited to, market change, credit history, down payment, property type & other factors associated with your loan application. Private Mortgage Insurance (PMI) is required if your mortgage amount is more than 80% of the value or purchase price of your home. Loan approval subject to qualification. Membership eligibility required. NMLS #456916.

Interest rates and annual percentage rates (APRs) displayed here are based on loans secured by property in the state of New York. Actual interest rates and APRs available to you may vary based on the state where your property is located and other factors, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, borrower credit, income, and other characteristics. All financing is subject to credit approval.

Understanding adjustable rate mortgages (ARMs): With an ARM, the interest you pay will be subject to change after your initial fixed period. Each ARM is described using two numbers. The first number indicates how many years your initial rate will remain in effect. The second number indicates how often your rate will adjust. For example, a 3/6 ARM has an initial fixed period of three (3) years. After three years, the rate will adjust every six (6) months.

To protect you from wide rate fluctuations, UNFCU places caps on how much your interest rate can change, but it is possible that the interest rate, APR, and payment may increase after the initial fixed period when the rate adjusts. ARM interest rates can increase or decrease each time the rate adjusts. Any of these rate changes may significantly impact your monthly payment over the remaining term of the loan.

Rebates: A rebate is a closing cost credit provided by the lender to a borrower for selecting a specific product’s interest rate.