I'm Nicole.
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Mortgage Professional

Meet Nicole Ball – wife to Davis, mom to Liam, and proud fur mama to a wonderfully chaotic crew of farm animals! With over 20 years in the mortgage industry (and yes, she jokes that she started her career at age 5) Nicole is the heart and soul behind Rustic Roots Mortgage LLC! With a passion for helping people achieve their dreams of homeownership, Nicole specializes in offering a boutique, one-on-one experience tailored to your unique needs. 

Nicole started Rustic Roots Mortgage, so that no matter the challenge—whether it’s navigating a barely there credit score or piecing together income for self-employed clients with more deductions than income —she can ensure that first-time homebuyers, seasoned homeowners, and real estate investors receive expert guidance, flexibility to find outside-the-box solutions, and personalized support throughout the mortgage process. From prequalification to closing, Nicole’s commitment to clear communication and a seamless experience sets her apart. 

Whether you're buying your first home or upgrading to your dream property, Nicole and Rustic Roots Mortgage is here to make it happen! And don’t be surprised if she sneaks in a funny farm story or two while helping you close on your dream home! 🏡✨


NMLS# 470060

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A conventional loan is a type of loan that doesn't have government backing or insurance, unlike FHA, VA, and USDA loans, which are insured by the government. Conventional mortgage loans, whether conforming or non-conforming, usually require a slightly larger down payment than some government loans. However, conventional loans offer more flexibility and fewer restrictions for borrowers, especially those borrowers with good credit and steady income.

Your credit payment history is recorded in a file or report. These files or reports are maintained and sold by "consumer reporting agencies" (CRAs). One type of CRA is commonly known as a credit bureau. You have a credit record on file at a credit bureau if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your income, debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.

On a conventional mortgage, when your down payment is less than 20% of the purchase price of the home mortgage lenders usually require you get Private Mortgage Insurance (PMI) to protect them in case you default on your mortgage. Sometimes you may need to pay up to 1-year's worth of PMI premiums at closing which can cost several hundred dollars. The best way to avoid this extra expense is to make a 20% down payment, or ask about other loan program options.

It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan amount, and interest rate changes. Your trusted lender can help you calculate your options.

An Appraisal is an estimate of a property's fair market value. It's a document generally required (depending on the loan program) by a lender before loan approval to ensure that the mortgage loan amount is not more than the value of the property. The Appraisal is performed by an "Appraiser" typically a state-licensed professional who is trained to render expert opinions concerning property values, its location, amenities, and physical conditions.

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Rustic Roots Mortgage LLC

Home Purchase Loans, Home Refinancing, Down Payment Assistance in Oklahoma City, Edmond, Norman

Rustic Roots Mortgage LLC is your go-to mortgage broker for all your loan and refinance needs in Oklahoma, specifically catering to the vibrant cities of Oklahoma City, Edmond, and Norman. With an extensive range of loan solutions, refinance programs, and additional products, we are committed to providing our clients with the best possible options to achieve their homeownership dreams.

For our clients in Oklahoma City, Rustic Roots Mortgage LLC offers a wide array of mortgage solutions to suit individual needs. Whether you're interested in FHA, VA, USDA, or Jumbo Loans, we have you covered. We also provide various refinance programs such as FHA Streamline and VA Cash Out to help you make the most of your homeownership experience. Additionally, we offer a range of additional products and programs, including Down Payment Assistance and Self Employed Loans, to further support our clients in Oklahoma City.

In Edmond, Rustic Roots Mortgage LLC is dedicated to serving the local community with tailored mortgage solutions. From Conventional Loans to 100% Financing options, we are committed to helping our clients find the perfect loan program to meet their needs. Our refinance programs, such as the FHA 203k and Conventional options, are designed to provide flexibility and convenience for homeowners in Edmond. Furthermore, our additional products and programs, like ITIN Loans and Rehab Loans, offer even more possibilities for our clients in Edmond.

As for Norman, Rustic Roots Mortgage LLC is proud to offer an extensive range of loan solutions and refinance programs to cater to the diverse needs of the local community. Our expertise in Non-QM Loans, Investor Loans, and Fix and Flip options ensures that our clients in Norman have access to a wide range of mortgage products. Moreover, our additional products and programs, such as 2nd Mortgages and Construction Loans, provide further flexibility and opportunities for homeowners and aspiring homeowners in Norman.

Whether you're in Oklahoma City, Edmond, or Norman, Rustic Roots Mortgage LLC is dedicated to providing exceptional mortgage solutions tailored to your unique needs. With a focus on personalized service and a commitment to excellence, we strive to make the homeownership journey a smooth and successful experience for all our clients in these vibrant Oklahoma cities. Contact us today to explore the diverse range of loan options and programs we offer, and let us help you achieve your homeownership dreams.

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