Nicole enjoys helping people fulfill their home ownership dreams. Her areas of expertise include: New construction lending, First-time homebuyer loans, FHA loans, VA loans, Rural Housing loans, Conventional loans and Jumbo loan financing. Nicole’s extensive knowledge of the home buying/refinance process benefits her clients, providing for a smooth transaction. Nicole has her bachelor’s degree in Business Administration from Minnesota State University Moorhead. She joined Gate City Bank in 2005, and has more than 15 years of mortgage lending experience and a total of 23 years of experience in the banking industry. She is an affiliate member of Fargo-Moorhead Realtor Association and Home Builders Association. Nicole resides in Fargo with her family and enjoys spending time with family and friends, golfing, snowmobiling and watching her children’s sporting events.