Good advice, and a great mortgage.

I keep it simple, and that saves you money.

– Trina Hart Nichols

Mortgage Truth #1: Your best leverage for getting your best mortgage is an expert you trust.

You deserve a great home with an affordable mortgage, which is why I built a lean business that doesn’t charge the enormous fees that other lenders charge you to get their best rates.

Request a quote and see for yourself how I’ve quietly become a top 1% loan officer for America’s biggest wholesale lender.


What my clients are saying…

We would have never been able to do it without you. Buying and living in this house is still one of our greatest accomplishments and you were there EVERY step of the way cheering us on and supporting us. You rock!

Cory O.
St. Peters

Trina was extremely helpful…went out of her way to help us make this very painless. The closing went very well and we were very pleased with everything that Trina did to make this happen for us.

Karen B.
St. Charles

…She never gave up, even when I was losing hope. Trina hung in there for me and was able to find the perfect loan…If anyone can make it happen for you, Trina can!”

Connie C.
St. Charles

I was going through some tough issues and there were several hurdles for me to overcome in order to refinance my house…(she) handled everything with great care and respect that made the process as painless as possible.

Nathan B.
St. Peters

I explained my objectives to Trina and in short order, I had a great mortgage with a great rate! Trina was able to guide me to information that helped improve my overall credit and I was able to then refinance a year later to get even a better rate…She is simply the best!

Dan D.

I have known Trina for many years and she has helped us with 3 or 4 different loans…Trina is excellent at what she does — Our loans are always handled with care and we receive updates, very detailed updates, throughout the entire process…We love Trina and we would only trust her with home loans… Our most recent loan, from my first contact with Trina to closing was no more than 2 weeks…Trina knows her stuff and we appreciate ALL she does for us….Thank you Trina

John D

I was afraid that my lack of equity would make refinancing impossible. She not only made the refinancing possible, but she was able to make sure that I did not have any PMI either… Having Trina in your corner guarantees that you will walk away with a a great mortgage arrangement.

Mark T.
St. Charles

I must say that I had my doubts on refinancing my loan and how much effort I’d have to put into it.  I was extremely pleased with how little I had to do and how easy it was to work with Trina.  I was recommended by a friend who extolled Trina’s abilities (“you have to call my friend, Trina.  She will get you the best rate and it’ll be one of the easiest things you’ll do.”) and with that kind of endorsement, how could I pass up that opportunity!? I made a phone call where we discussed my situation, met once in person, signed some papers, and that was it!  Talk about easy!  I will definitely be making that call again when I need any more home finance services.  20/10 would definitely recommend!

Chris B.
St. Louis

Trina was available at all times and so quick with her responses to any questions we had. I couldn’t believe how quickly our loan closed. This financing experience was the most pleasant and least stressful that I have experienced thus far. She went above and beyond to make our refinance happen.

Mark G.
Kansas City

Her attention to detail is impeccable. Trina was quick to respond to every question and concern we had and was always willing to review every detail with us… We have been fortunate to purchase both of our homes through her in the past 8 years.

Jesse M.

… just wanted to send you a thank you for everything you did for us in getting us into our amazing new home.  We really love it and I’m so happy we are here!…We will recommend you to family and friends for years to come.  You made everything so easy and truly went above and beyond in both availability and helping us understand things.  If there’s a place in which you have reviews posted I’d love to write one for you.

Lindsey & Eric
Old Monroe, MO

Words are not enough to say just how wonderful Trina is to work with.

L. E.
St. Louis

When we needed to lower our interest rate, a friend told us about Trina. We had a very high loan-to-value ratio, but Trina found a loan that was a great fit and dropped our monthly payment by over 25% while taking care of everything and keeping us informed all along the way. Don’t hesitate to choose Trina.

Michelle K.
St. Louis

We have already referred Trina to family members & will continue to do so in the future. She knows what she’s doing and is compassionate and excited about her work–Trina really loves what she’s doing!

Joe J.
St. Charles

Trina was extremely responsive, informed, and persistent, and she was happy to work on our behalf and answer our many questions throughout the refinancing process…Trina is someone you can trust to handle your home mortgage and help you navigate and overcome obstacles associated with financing your home.

Christy H.
St. Louis

Trina is my ‘go-to’ mortgage person for my clients. As a real estate professional, Trina handles my buyers needs with professionalism, she is thorough and exceptionally personable. My clients have nothing but great things to say about her.

Patricia H.

I have worked with Trina for the past 17 years with a few refinances and one purchase. She makes the whole process easy. I highly recommend working with Trina with any of your mortgage needs. Trina will be the only person I call if I have any future needs.

Debbie W.
St. Charles, MO

We met Trina through our Real Estate agent about 15 years ago and she has done 2 mortgages, 2 refinances with better interest rates and a HELOC…She is absolutely amazing and so very knowledgeable…She is considered FAMILY to us…Would not use anyone but her for any mortgage needs.

John D.
O'Fallon, MO

Trina was incredible, helped us through a complicated process. Felt like she was always on our side. Incredibly professional, responsive, easy to reach, and gave us all the information we needed to make the right move for us. She literally couldn’t have been better.

Timothy Y.
St. Louis, MO

Trina has always been exceptional at walking us through every step of the financing process, and has always been a great communicator, constantly checking in with us and giving us reminders so things would go smoothly both before and after the loan closing.

Lani H.

Trina worked hard to gain a comprehensive understanding of my financial position and structured loan options that met my objectives, avoided PMI payments and worked within my budget… Trina is thorough, she is responsive, she is skilled at all aspects of what she does but most important… she knows it’s about finding a home and a lifestyle that supports the goals and objectives of a family.

Roger B.

Trina was awesome. Not only was she super helpful and knowledgeable with the VA home buying process, but she found me a much lower rate than I ever thought I would get. I have since recommended her to all of my friends looking for homes.

Andrew L.

We wanted to close as fast as we could and Trina accomplished this quicker than we thought could be done. Not only did we get a lower rate, we cut 10 years off our loan, and received the extra money to work on our house. I would recommend Trina to any of my friends or family as she really knows her stuff.

Kelly G.

Everything was exceptional about our experience with Trina! She helped us purchase our first house, as well as our dream house 5 years later and delivered smooth, painless experiences both times…truly has your best interest in mind.

Steve M.

Trina has done several loans for our family and friends over the last 10-15 years. She is professional, knowledgeable and always make us feel like we are her most important client. She has always been accommodating to our busy schedules which is very important to us.

Kelly H.

I have never dealt with a mortgage broker who has the knowledge and customer service that she has. She constantly goes above and beyond and makes us feel like we are her number one priority… We feel like she is family!

Rachael L.

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