Bellevue, WA

Let’s talk! Contact me now




Let’s talk! Contact me now




Jeff Nicola

MLO-92186
Phone: 206-779-1874
Fax: 425-642-8339
E-mail: jnicola@bayeq.com

Bellevue Branch
305 108th Avenue NE, Suite 101
Bellevue, WA 98004

Jeff Nicola

Area Sales Manager

As a mortgage professional, I understand how important it is to choose the right lender. With my passion for helping people and 21 years of experience, I pride myself in my attention to detail and dependability for each and every loan I touch. I work with you to make sure the entire process is simple from start to finish. Bay Equity helps with the transaction to run smoothly with our state-of-the-art technology, and with this, we can allow borrowers to have access to their loan at any time. 

One of the many reasons I chose to be a Mortgage Loan Originator is because of the people I get to meet and help; I feel like I’m helping people achieve one of their financial dreams of buying a house. It’s where families will grow and create memories, and I love having a hand in the process. I have an active family life and enjoy spending time with my wife and three kids. When I am not working or involved with the kids’ sports, dance, softball, baseball, basketball or gymnastics, I find myself cooking, golfing or enjoying an occasional family vacation. 

So, whether you are buying or refinancing, building your dream home or buying your first home, I can explore with you the many options for financing. I invite you to apply on-line, or contact me to set up an appointment. Either way you will get my immediate and personal attention.  

I look forward to working with you!

206-779-1874

Let’s talk! Contact me now




“We have had a very positive and memorable experience with Jeff and team at Bay Equity, will highly recommend them to everyone looking for home loans. The team possesses all the experience and expertise needed to help home loan seekers with the right guidance towards success.”

Manju D.

“Jeff was attentive, easy to work with and clearly explained every detail. I could always get through to him in a timely manner. Jeff's whole team helped me to understand the process.”

Marcia E.

“This is the third transaction that I have done with Jeff Nicola. He always impresses me with his professionalism, attention to detail, and honesty. Jeff is extremely easy to talk with and seems to go beyond the call of duty every time. If you are Jeff's client, he will make you feel like your transaction is his most important. I look forward to working with him again!”

Derrin T.

“Incredible attention to detail, always there with a call or text, and questions answered quickly and thoroughly. We had an amazing experience using Jeff for our re-fi. I'd highly recommend him for your home loan or re-fi. We've purchased several homes and have never had this good of service. ”

Corry R.

“Jeff Nicola and his assistant Kellie, have been on top of our transaction since day one. I doubt that we could have had any better service. All of our questions have been answered quickly (even on weekends) and fully. We would highly recommend Jeff, Kellie and Bay Equity Home Loans.”

Pat C.

“Jeff has consistently proved over and over he is the go to guy when it comes to Mortgage's. Even when we have tried to go through other lenders, we keep coming back to Jeff as he always gets it done. I would recommend him to anyone looking for a person.”

Trever T.

“Jeff went above and beyond!!! He was up front honest and his team is amazing. They helped make my purchase easy and smooth. He stayed in contact and,made himself available when I had,questions and,never ever made,me feel I had a stupid question or was,bothering him. I called and text ALOT!! Lol. He was so calm and on top of my stuff I felt like I was his priority. Again his,team ROCKS too!! I wouldn't hesitate,to use,him again or,recommend him. ”

Lori H.

“Jeff was an incredible help in our home purchase. He knows every aspect of his business and answered all our questions. He guided us through the process of financing our home and best of all was always reliable, available, and honest. I highly recommend using Jeff as your mortgage broker to make your experience both better and easier!!”

Daniel V.

“Jeff Nicola went above and beyond with helping us in the purchase of our new home! He was more than patient and very knowledgeable with all of our questions. Being this was our first purchase it was very overwhelming, but he did a fabulous job in handling so much it really relieved most of the stress off us! Thank you to Jeff and Heather at Bay Equity. ”

Jessica M.

“- I have known Jeff Nicola for over 5 years. He has assisted with 2 long distance relocations to Washington during my career in the military. He has gone above and beyond with assisting in the purchasing and refinancing for 2 of my homes. He has shown nothing but professionalism through his dedication and knowledge in real estate finance. I appreciate his effort and dedication to my family over the years.”

Emily F.

“My wife and I had specific needs that required a timely response. Jeff was able to quickly understand and deliver exactly what we were looking for. Knowledge and professionalism like that is a rarity these days, coupled with his charming disposition it is a pleasure to recommend his services.”

Dan V.

“We recently bought our home this month with Bay Equity as our loan company. And all throughout our home buying period, we never experienced any problems with Bay Equity. They were actually outstanding! Great customer service, really fast turnaround time, very professional people! They delivered as promised. They actually exceeded our expectations. THANKS, BAY EQUITY!”

Melissa L.