Nicole Habib

Contact Information

Mobile Number: 732-513-6616
Fax Number: 732-559-7984

Professional Information

NMLS Number: 659153

Biography

Nicole Habib is a Senior Loan Officer with Investors Bank.
 
Nicole attributes her success to her excellent customer service skills and always keeping the needs of her clients first. Being the daughter of a mortgage professional, she came to know quickly that providing excellent service to all parties involved is the best road to success.
 
Offering a variety of products enables Nicole to provide home financing solutions that best fits her clients’ profile and their long-term financial goals. 
 
Investors Bank commitment to quality service and competitive loan products separates them from the competition. Investors Bank has a dedicated team of processors, underwriters and closers whose experience level is an average of 15 years. Investors Bank is a direct lender, with all loan processing being fulfilled in the Millburn, NJ location.
 
For additional information please contact me at the number listed above or email me at nhabib@investorsbank.com.

Google Reviews
“My husband and I bought our first home 3 years ago and had a lot of questions as this was our first time going through the process. Our realtor referred us to Nicole Habib who was fabulous from start to finish. She was thorough, responsive, professional and a pleasure to work with. We have referred several friends to Nicole because of our positive experience and if and when we decide to purchase another home, I would work reach back out to Nicole in a heartbeat.”
-Keri Intagliata, 5 Stars

 
“This is the second home my husband and I purchased in the last two years and for each purchase we would choose no one other than Nicole Habib our Loan Officer to help us with the process. She made the entire process from beginning to end so simple, fast, and easy both times around! We cannot thank her enough for always being available during the entire process and helping us navigate and close on both of our homes in such a short amount of time. Exceptional service and communication!”
-Tiffany Cotona, 5 Stars

 
“Nicole Pace (Habib) was absolutely amazing. She walked me through each step of the way and answered all questions immediately about refinancing my home. Nicole was a pleasure to deal with and have given out her name to many people. Great company and great service!”
-Christina Csulak, 5 Stars

 
“Nicole Habib recently did a mortgage for me and went above and beyond throughout the entire process. She literally made everything stress free for me. She kept me informed every step of the way and was always a phone call away if I had any questions or concerns. She truly cares and it shows. I would hands down reccomend Nicole to everyone I know!”
-Tinamarie Loria, 5 Stars

 
Zillow Reviews
“Nicole made our refinance experience a pleasure. Kept us informed on everything, very patient. Always followed up. Very personable, she treated us like family! I would highly recommend.”
-gertam8, 5 Stars

 
“We recently had the opportunity use Nicole Habib for our refinancing. We received exceptional service during the entire process. Nicole’s professionalism and knowledge of the industry was impressive and truly appreciated. We have worked with other banks in the past and had found the process to be frustrating and tedious. Nicole went above and beyond to ensure that all of our needs were met and that everything was handled thoroughly and efficiently. She found the right financing plan for our needs, and successfully guided us through every step of the way, calling and texting us often with updates. Nicole is a true professional and we would recommend her to anyone without hesitation.”
-David, 5 Stars

 
“We’ve worked with Nicole in 2013 when buying our first home and now again in 2019 for a refinance and couldn’t be more pleased with the way the process went and the final outcome. Nicole dealt with us amazingly despite our tricky financial situation, our limited knowledge of the process and our desire for a quick turnaround. Her attention to our financial goals and the ability to layout various options in an understandable way gave us confidence we were in good hands. We had so many questions during the process and it was a busy time for the industry but Nicole’s communication was responsive and professional throughout. We would highly recommend Nicole’s services and hope to work with her again in the future. Thanks for all your help Nicole!”
-mcgee jw, 5 Stars

 
“Nicole was extremely helpful throughout the entire process of our mortgage refinance. She answered every question I had and was always quick to reply. I would highly recommend Nicole!!”
-travisboff, 5 Stars

 
“Nicole was a great resource when it came to my refinance. She is extremely knowledgeable, very responsive, and always there when you have any questions. She made the refinance process very fast and simply. She does a great job following up and making sure the loan is moved through the channels as fast as possible! Couldn't have asked for a better experience!”
-Karol Renik, 5 Stars

 
“Nicole was so helpful and patient with my difficult mortgage process. I purchased a co-op so I had a very small loan amount. Unlike a lot of Mortgage Bankers who are more interested in larger loans, Nicole treated my $100,000 loan with the same effort as a $1,000,000 loan which I’m very grateful for as a first time homebuyer.”
-NE2018, 5 Stars

 
“Nicole made refinancing our mortgage easy and stress-free. She kept an eye on rates for us and contacted us when it was low enough for us to start the process. And this took months! During refinancing, she answered all of my questions and really broke down everything for us to understand. She was easily accessible and touched base often to make sure we didn't have any problems getting things together. We had such a positive experience and would highly recommend Nicole to family and friends!”
-Christina, 5 Stars

 
“Nicole was a great help in getting whatever all the paperwork in order. She was always responsive with email and by phone and is very passionate about what she does. She takes her job very seriously and is very persistent and will do whatever she can to help out her clients.”
-Avin Patel, 5 Stars

 
“Nicole was extremely patient and thoughtful during the whole mortgage process. My mortgage posed some challenges and Nicole was very forward thinking and extremely diligent to ensure a positive outcome for my family and I. I would highly recommend Nicole to anyone interested in learning more about the mortgage process or just looking to explore their options for the future. I will be sure to contact her in the future, should I need any further assistance.”
-Dan Williams, 5 Stars

 
“Nicole explained the process to my wife and I every step of the way. She went above and beyond to help us close on our very first home! She was very accessible and there to answer any questions we had. I'll be using Nicole for any future loans.”
-William Hagmann, 5 Stars

 
Program Interest Rate APR* Apply Link
15 Year Fixed Rate* (to $510,400) 2.75% 2.819% (0 points)
30 Year Fixed Rate* (to $510,400) 2.875% 2.928% (0 Points)
H.O.M.E. 30 Year Fixed Rate* 3.25% 3.303% (0 points)
15 Year Fixed Rate Jumbo Bi-Weekly* 2.75% 2.822% (0 points)
30 Year Fixed Rate Jumbo Bi-Weekly* 3.25% 3.287% (0 Points)

We offer first mortgage programs, for purchase or refinance, on 1 to 4 family properties. The home must be owner occupied as the owner's primary residence or true vacation home. Not all of our products are listed above - please call 855.446.9977 to learn about our many other options! 

As rates are subject to change at any time without notice, please contact an Investors Home Mortgage loan officer for the most updated rates. Website authorization by the New York State Department of Financial Services is pending. Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site. 

The Interest Rates, APR, and fees displayed may be adjusted based on several factors including, but not limited to, property location, loan amount, loan type, occupancy, property type, loan to value, debt to income ratios, FICO credit scores, and asset reserves. Certain conditions and restrictions may apply, not all products are guaranteed for your situation. All loans subject to credit approval and satisfactory appraisal. Bi-weekly loans require auto debit payments and payroll direct deposit into an Investors Bank checking account. For complete details on all of the products and offers on this page, see our Mortgage Disclosures or call us at 855.446.9977 for further information.

Published rates include incentives, where applicable, and are only offered on new loans. Incentives not available on expired rate locks. The incentive may change or be discontinued at any time and without notice. Rate shown is based on best pricing available, conventional or conforming rates of the products shown, and are assumptions for a borrower with excellent credit, verification of the value of your home, your credit score, and other considerations. Borrowers and properties must qualify under FNMA and Bank guidelines. Restrictions apply.

Annual Percentage Rate (APR)

APR: Annual Percentage Rate. All APRs and fees subject to change without notice.

  • Add 0.25% for all loans with a median credit score below 680 and loan to value/combined loan to value over 70%
  • Add 0.25% to the interest rate for loans over $2,000,000.
  • Add 0.125% to the interest rate for all New York Loans or 0.25% origination point to your closing costs, except co-op properties
  • Add 0.125% to the interest rate for all condominiums / attached PUDs over 75% LTV and FICO below 680
  • Add 0.125% to the interest rate for all condominiums/ attached PUDs (projects of 4 units or more) that are not 50% closed or under contract. These adjustments are cumulative.
  • No add on for all co-op loans up to 80% LTV/CLTV. Add 0.25% for 80.01%-90% LTV/CLTV
  • Add 0.125% to the interest rate for all 2-4 family properties

30 Year Fixed Rate Jumbo

This rate is for the 30-Year Bi-Weekly product only, and applies to single family primary residence home purchases. The 30 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, DE and CT. Rate quoted is for loan amounts above county FNMA limit to $1,500,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $1,500,000. Maximum LTV of 75% on balances up to $2,000,000.
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .375% add on
  • Refinance options available. Please call for options.

15 Year Fixed Rate Jumbo

This rate is for the 15-Year Bi-Weekly product only, and applies to single family primary residence home purchases.  The 15 Year Bi-weekly rates listed above are only available for properties located in New Jersey and our defined lending areas within NY, PA, and CT. Rate quoted is for loan amounts above county FNMA limit to $1,500,000. Bi-weekly mortgage payments are available on 10, 15, 20 and 30 year fixed rate mortgages (other discounts may apply). Borrower(s) must have auto debit and payroll direct deposit into an Investors Bank checking account to be eligible for Bi-Weekly discount. Borrower(s) must meet the following criteria in order to be eligible for the rate shown.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $1,500,000. Maximum LTV of 75% on balances up to $2,000,000.
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

15 Year Fixed Rate* (Mortgage Rewards)

Rates are based on single family home purchases (for loan amounts up to $510,400) with 20% down payment, or 80% loan to value. To be eligible to receive lender credit of $250.00 and the 0.125% rate discount an Investors Bank YourStyle Plus Checking Account with automated monthly transfers of the mortgage payment is required. Investors rate discount and closing cost credit require a minimum of $20,000 dollars balance prior to closing. This balance must be net of any funds we determine you will need for down payment and closing costs. YourStyle Plus Checking Fees may apply.  Investors Bank Relationship Pricing is available on FNMA conforming eligible loans only and subject to change without notice.  Speak to a branch representative for more details about the checking product.

30 Year Fixed Rate* (to $510,400)

Rates are based on single family home purchases with 25% down payment, or 75% loan to value.

30 Year Fixed Rate* (Mortgage Rewards)

Rates are based on single family home purchases (for loan amounts up to $510,400) with 25% down payment, or 75% loan to value. To be eligible to receive lender credit of $250.00 and the 0.125% rate discount an Investors Bank YourStyle Plus Checking Account with automated monthly transfers of the mortgage payment is required. Investors rate discount and closing cost credit require a minimum of $20,000 dollars balance prior to closing. This balance must be net of any funds we determine you will need for down payment and closing costs. YourStyle Plus Checking Fees may apply.  Investors Bank Relationship Pricing is available on FNMA conforming eligible loans only and subject to change without notice.  Speak to a branch representative for more details about the checking product.

5/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 60th payment. ARM Payment Schedules are based on a loan amount of $100,000. Rates are based on single family primary home purchase.

7/1 ARM

Adjustable Rate Mortgages (ARMs) are variable and are subject to change after consummation. First rate change may occur after the borrower's 84th payment. ARM Payment Schedules are based on a loan amount of $100,000. Rates are based on single family primary home purchase. Rate quoted is for loan amounts above county FNMA limit to $1,500,000.

  • 740 or above median credit score
  • 12 month reserves
  • Maximum LTV of 80% on balances up to $1,500,000. Maximum LTV of 75% on balances up to $2,000,000.
  • Maximum DTI 40% and LTV equal to or above 65%
  • Maximum DTI 43% and LTV below 65%
  • If all criteria is not met, interest rate subject to .125% add on
  • Refinance options available. Please call for options.

H.O.M.E Product

Investors Bank offers an Affordable Mortgage Program available to borrowers who have low-to-moderate income. The program is available on 1-2 family, owner-occupied homes, condos, and co-ops for customers who meet low-to-moderate income limitations and/or who live in low-to-moderate income census tract areas in New Jersey and New York. For low-to-moderate census tract demographics, please visit www.FFIEC.gov. Homebuyer counseling required. Lender Paid Mortgage Insurance is only available on 1 family homes and condos. Refinance options available. Please call for options.

Loan Limits

Conforming Loan Amounts
See Fannie Mae Loan Limitations

Investors Bank Loan Limitations
Loans Up to $3 Million, restrictions and fees, and qualification requirements may apply.

Estimated Payment Calculator
Information and interactive calculators are made available to you as self-help tools for your independent use. We do not guarantee the accuracy of the calculators or their applicability to your circumstances. Please contact us for our most up-to-date rates.

Published rates include incentives, where applicable, and are only offered on new loans. Incentives not available on expired rate locks. The incentive may change or be discontinued at any time and without notice. Rate shown is based on best pricing available, conventional or conforming rates of the products shown, and are assumptions for a borrower with excellent credit, verification of the value of your home, your credit score, and other considerations. Borrowers and properties must qualify under FNMA and Bank guidelines. Restrictions apply.