Nicholas Lay

Nicholas Lay
Retail Loan Officer, NMLSR # 1482210

101 N 3rd St

Wilmington, NC 28401-4034

About me

Background

Nick Lay is a doctor loan specialist, located in Wilmington, NC, who provides mortgages for doctors and dentists throughout the United States. Possessing a complete knowledge of doctor loans, he’s well prepared to assist medical physicians, dentists, fellows, residents, and graduating medical or dental students with their mortgage financing needs.

Areas of Focus

  • Whether you’re thinking about a new home now or further down the line, we have a variety of home loans and will help ease the mortgage process by answering your questions and making the experience as simple and straightforward as possible.

  • Enjoy some of the best rates and terms for a low down payment mortgage designed for doctors and dentists.

    • Qualified physicians receive special privileges including lower rates and greater purchasing power, even if you have student loans.
    • Doctors can get up to 100% financing with no monthly mortgage insurance payments.
    • Borrowers will receive favorable repayment terms to help meet the financial reality of practicing medicine.
  • Explore a variety of jumbo mortgage loan financing options to put the home you’ve always dreamed of within reach.

    • Access larger loan amounts at competitive interest rates.
    • For primary residences and second homes, including condominiums.
    • Maximum loan amount varies by loan type, ranging from $3,000,000 to $5,000,000.
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