Nicholas Lay

Nicholas Lay Sr.
Retail Loan Officer, NMLSR # 659099

101 N 3rd St

Wilmington, NC 28401-4034

About me


Nick Lay is a doctor loan specialist, located in Wilmington, NC, who provides mortgages for doctors and dentists throughout the United States and works with his son, Nicholas, as team with over 25 years of combined experience. He’s been working with physicians for more than 20 years and, with 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. 


Bachelor of Science in Marketing
Averett University 1981

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.


Circle of Excellence Award


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Office hours


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