Residential Mortgage Loan Originator | NMLS #2642577
[email protected]
23108 Seven Meadows Parkway | Suite 100 | Katy, TX 77494
23108 Seven Meadows Parkway | Suite 100 | Katy, TX 77494
Apply Here For A Home Loan
The Loan Process in 4 Easy Steps!
Getting a Home Loan is Easy!
The first step in getting a home loan is loan approval. Getting pre-approved gives you the peace of mind to house hunt with confidence. Once you complete the online application, Encompass Lending Group will review your credit report and financial documents for pre-approval.
About Nicole Kotnik
Welcome. Helping you navigate lending starts with confidence, clarity, and communication. As a licensed real estate agent and mortgage professional, I bring a dual perspective that supports you throughout every step of the transaction. My background includes 10 years at AT&T Wireless, where I moved into a Business Care Manager role and developed a client-first approach that continues to shape how I work with people today. Whether you are buying, refinancing, accessing equity, or investing, I provide straightforward direction and tailored solutions, so you stay informed and confident throughout the process.