I am so grateful that I had Carrie Nicholsky and her team on my side while purchasing my first home. I came to Carrie in a complete frenzy - my originial lender had fallen through and I had three weeks until my property was to close. I didn't think anyone could pull off this miracle, but they did. I worked mostly with Carrie and Nick, but this truly was a team effort. Everyone was on board - they knew exactly what needed to be done, what to expect, and what to look out for. I had a million questions and Carrie answered everything and then some. I never had to worry; I felt secure in my decision, and they were able to give me a better deal than my previous lender and close on time with no penalties or fees. Thank you for pulling off a deal in record time! 

My dream of buying a home was just that, a dream. I had talked to other lenders and all seem to just think that maybe I was not well prepared to buy my first home, but with Carrie and the her team at Stearns it was different. They are absolutely just the best. It all started with Carrie; she took the time to talk to me and she right away gave me hopes that it would be possible for me to buy my very own home. Carrie, together with her team, were always there for me; they answered all my question right away, they would always call or email me, whatever was necessary to make sure we were in contact at all times so we would have all required documents on time. It was a pleasure having Stearns Home Loans by my side helping me achieve my dream of buying my first home. Buying a home is a long, stressful, complicated at times process, but thanks to Carrie and her team I had it easy. From a 1 to 10 rate, I strongly give them a 10.

My wife and I loved working with Carrie! Carrie was very attentive and walked us through this process seamlessly. She also has a great sense of humor which made everything less stressful. Carrie put the extra effort in with the listing agent and sellers to make sure they understood our loan so they didn't turn us away because of our type of loan which is common with a VA loan. Overall I would highly recommend her to anyone with mortgage lending needs.

Carrie Nicholsky was a delight to work with. Her professionalism combined with the great ability to make me feel at ease and that my purchase of a new home would happen and happen without stress is a gift! She has knowledge of an industry that drives many people away and I have done many, many property purchases. She is a true gem, Stearns Home Loans is lucky to have Carrie Nicholsky!

My name is Cristy Love Ramirez, I am a Realtor with Keller Williams Realty in Stockton. I have been a Realtor for over 12 years now and I have had the opportunity to work with several different Loan Officers in our area. Recently, I had the opportunity to meet with Carrie Nicholsky and her team. During our meeting we discussed the many loan programs and services Carrie can offer to myself and my clients. After our initial meeting a few months had past. I was working a VA purchase deal wherein Carrie was not involved. However, she took the time out of her day to assist me with a few questions regarding a VA purchase loan. I found that Carrie has expert knowledge of the VA loans and the VA loan process. I finally had the opportunity to have CARRIE NICHOLSKY assist one of my clients with their purchase loan. Now, I have witnessed it firsthand! In what appeared impossible Carrie and Team Nicholsky of Stearns Home Loans saved a loan and kept a Veteran's home ownership dream alive!

Carrie Nicholsky (Team Nicholsky) & Stearns Home Loans in Lodi, CA is the best thing ever coming from that city. Better than A&W root beer, CCR songs and even wine. That is a lot to say for a mortgage loan originator. She got me into my dream home in 21 days. I have worked with many “loan officers” but I have no worked with THE BEST! If you need to see an offer take you to the close… call Carrie Nicholsky! She can close anywhere in the golden state.

The Stearns Team – Carrie and Nick – are fantastic! I had the pleasure of working with them on a recent listing I sold and they were seriously so great. The buyer had to switch lenders and they picked up the slack and then some. From the moment their team got the file, we were in constant communication, which I LOVE, and surprisingly don’t often get from the buyer’s lender. Carrie would personally call me if she needed anything or just to say hi and make sure we were all on the same page. The whole transaction was super smooth – they were ready with loan documents at title before the repairs were done! When that happens, I know it’s a good lender. I would highly recommend Carrie and Nick to anyone who is looking for an absolutely seamless transaction from start to finish and someone who will be with you every step of the way. They are amazing!

I want to thank Carrie for the great work she did on a recent escrow. I represented the seller in the transaction and Carrie was helping the buyers that had submitted an offer on my listing. From my first encounter with Carrie until the day we closed escrow, she was professional, efficient and knowledgeable. Carrie met every dead-line throughout the transaction and even funded and closed the escrow 4 days early. I highly recommend Carrie and her team!

In our business, we cherish working with Real Estate professionals. When we represent our clients, we strive to have a strong, reliable team to make the transaction smooth. I have found that having Team Nicholsky on our side is a win-win combination for all parties involved. Carrie is prompt to answer her telephone call when called. She is knowledgeable in all mortgage loan products. Carrie explains each step of the process which puts all parties at ease. Communication is vital – Carrie, Nick and their team have mastered this and that is priceless! I highly recommend Carrie, Nick, and Team Nicholsky for all your home loan needs. You will not be disappointed!

Just closed a “Gift of Equity” Loan with Carrie Nicholsky of Team Nicholsky at Stearns Home Loans. She was phenomenal in her work! I have heard that the mortgage industry considers these type of loans difficult and detailed. I am so glad to have chosen Carrie! She was like a Zen Master in her way of explaining, communicating and reassuring that this very important part of my life would be completed and completed in a graceful manner. Right here, I just mentioned even more aspects of the mortgage industry that are known to be hard to find, if at all. Well, I found where and whom mortgages should be done! Carrie Nicholsky, right here in Central Valley. She is a beacon in the turbulent sea of mortgage lending!

Never thought the process would be that easy. Any questions that I had, were thoroughly answered in a very timely manner. Very pleasant, friendly and knowledgeable. I would definitely recommend them!!! Overall great experience!! Thank you

Carrie and the Stearns team answered all of my questions in a timely manner. As a first-time homebuyer, I felt at ease and trusted their guidance and advice throughout the entire process. I am so thankful for their patience, support, and timeliness.

My first time working with Carrie and she was on it at all times. Patient, helpful, down to earth to my clients making sure they understood what the process was, what to expect with a great attitude. I felt confident knowing we were going to close. Thank you again, Carrie! It was a pleasure working with you.

Carrie and Team Nicholsky were simply AMAZING! Her knowledge, patience, kindness and spot-on explaining of the loan process is what makes her one of the best in the Central Valley of California. I know she closes loans all over California, so I am very glad to have her here and as my LENDER. Thank you, Carrie and Team Nicholsky!

Great team work on this file! Closed in under 30 days. Thank you so much, Carrie and Nick for your expertise and a smooth transaction. My client is happy to be in her new home. Thanks again. It was a pleasure working with you and your awesome team!

Every aspect of working with Carrie Nicholsky of Team Nicholsky as a Realtor was flawless! My client even enjoyed what could have been the most difficult journey in life, but instead, Carrie made it enjoyable! Thank you, Carrie. I look forward to working with you again.