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Nick Mink

Vice President of Mortgage Lending
306 W Cuthbert Blvd, Suite 101, Haddon Township, NJ 08108
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NMLS: 112903
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I would like to thank Nick Mink and Guaranteed Rate for their help in refinancing my home. They were very attentive and were always available to answer all of my questions. The entire process was quick and very easy. This was the best experienced I have ever had with a mortgage company and I would highly recommend Nick Mink and Guaranteed Rate to all my friends and family.

Gaspare F. | September 2016

Nick Mink worked tirelessly to lock in a great rate and to qualify me for a good mortgage...his team was very helpful and I would recommend Guaranteed Rate in the future.

Gerald D. | September 2016

We worked with Nick Mink in Collingswood. He was fantastic! He spent a generous amount of time with me explaining the process and discussing options. He was exceptionally attentive to my phone calls and emails. Being able to submit all of our paperwork online made the whole process so much smoother and efficient. And lastly since I am a designer, I really appreciated the website interface and sales pieces from Guaranteed Rate. Everything (and every step) felt very professional and well thought...

Christina F.

You and your team were so professional and patient with me. It was a rough year with the divorce. You took care of everything, I didn’t have to worry about not understanding ‘digital mortgage’. I would recommend you to everyone I know!!! Thanks again.

Joan B., Delran, NJ

I cannot thank Guaranteed Rate enough for the incredibly easy and seamless process of refinancing my home. Nick Mink and his team of Leigh Jones, Chuck Simmerman, and David Maggard were incredibly professional and helpful. In this day in age of busy schedules and many time commitments, Guaranteed Rate's process is user friendly and easy to follow without the need to even leave one's home. The company's use of convenient technology and the ability to upload necessary documents online made for...

Casey M., Haddonfield, NJ

Nick was available every step of the way. I initially contacted him in the summer, and then when he didn't hear from me her continued to follow up with me and give me the rates and advice in possible trends. I finally got my stuff together and he pushed my paperwork to underwriting ASAP. Chuck answered every phone call I ever placed. He was proactive and professional. Their team is A+. They explain everything, are transparent, and just great to work with!

Andrew V.

I have recommended Nick Mink to numerous home buyer; all with positive results. He never misses a deadline and provides great service to my clients. He takes the time to understand the buyer’s concerns and makes the mortgage process simple.

Mike Dinella, Broker Associate

Nick is a commensurate professional and his knowledge of the mortgage process is unparalleled. From the introductory phone call all the way to the closing table, you get the personal attention you need to feel completely comfortable about the biggest purchase you will ever make. His processors are courteous and responsive and the whole experience was seamless.

Cathy and Kevin, Westfield, NJ

Nick is a commensurate professional and his knowledge of the mortgage process is unparalleled. From the introductory phone call all the way to the closing table, you get the personal attention you need to feel completely comfortable about the biggest purchase you will ever make. His processors are courteous and responsive and the whole experience was seamless.

Cathy and Kevin, Westfield, NJ

As first time home buyers, Nick put us at ease. We practically held hands though the process… Nick’s responsiveness and approach-ability made an overly complicated process seem simple.

Lisa & Dan, Abington, PA

I cannot thank all of you enough for all that you’ve done to get my mom where she is today. You may say that you were just doing your job but none of you made my mom feel like she was just a file or case number and that meant a lot to us. I will highly recommend you to anyone in need of your service.

Vanessa, Haddon Twp., NJ

I feel confident when buyers say they are using Nick Mink to purchase their home because I know he will work hard to meet my client’s needs. Nick is punctual with deadlines, professional and makes the real estate transaction a smooth and positive experience for buyers.

Kelly Ferrante, Main Street Realty

As a local realtor, I always recommend Nick to my clients in need of a mortgage. He keeps our clients informed throughout the process.

George Leary, Main Street Realty

Nick makes the process of buying a home seamless and I recommend him to my family, friends, and neighbors.

Mark & Jess, Cherry Hill, NJ

About Nick

After graduating Rutgers College, I began working in the Executive Education Department at The Wharton School of Business. Being surrounded by World Class Professors and Executives, I developed an entrepreneurial drive. In 2001, I put my Economics degree and experience at Wharton to work in the mortgage industry, co-founding Brink Mortgage. I served as the company’s President from 2005 to 2011, helping 1000’s of people achieve home ownership. With major changes to regulation in 2010, it was best for our company to join a larger more established firm, Boulevard Mortgage Company. In 2013 I decided to focus on what matters most, my customers. Since then, I have dedicated 100% of my time to originating mortgages. This has given me invaluable experience dealing with every type of loan scenario as well as all types of customers. My knowledge of underwriting guidelines is my most valuable asset, allowing me to identify red flags up front. In February of 2016, I joined Guaranteed Rate in order to facilitate more volume and help more people. Our platform at Guaranteed Rate blends the customer first approach, the best product availability, and low rates. I have always done my job with the mentality of doing what’s in the best interest of my customers, being honest, and communicating as much as possible. Guaranteed Rate operates with the same business model so the decision to move to such an organization was simple. I wrestled from the time I was 6 years old into college. Wrestling taught me about drive, determination, and commitment. I apply what I learned in wrestling to my work, striving to be the best mortgage originator that I can be. The most rewarding part of my job is helping people finance their home. Guaranteed Rate allows for both me and my customers to achieve this goal, in a financially successful manner. I enjoy helping others while making my own living and supporting my family. I was born and raised in Haddon Twp, NJ and currently live there with my wife, daughter, and our dog. Outside of work I enjoy cooking, fishing, and having fun. We spend as much time as we can with our family at the Jersey shore.

Nick interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
15 Years in the business. I followed my brother's footsteps into the business.
Who is your typical customer and what questions do they typically have?
Most of my customers are first time homebuyers. However, I have assisted many people buy up, downsize, and purchase second homes. They have all sorts of questions, there are no silly questions.
What specific steps do you use to help your customers find the best home loan for them?
It is difficult to plow ahead, we try to identify life changing events. Credit and underwriting also factor into which product would be best. During the pre-approval stage, we identify any potential red flags.
How long have you been in the mortgage business? What awards have you won?
I have been in the mortgage business for 15 years and have been a 5 star mortgage professional since 2011.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
The most important part of locking in on a mortgage program is planning. However, life changing events will make it difficult to plan for an extended period of time. If in doubt, I recommend a 30 year fixed because you may one day buy another home and decide to rent out your starter home. If you know a life changing event is eminent, then you may consider an ARM.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I identify any challenges at the time of pre-approval. However, there have been times when customers secured new credit, even after being told not to do so. In other instances things happened out of customers control. No matter the circumstance, I have been able to guide the borrower through the process with sound advice.
What advice would you give new or first time home buyers?
Get an all star team together. If your real estate agent and mortgage professional are solid, all else will fall into place.
Tell us about a mortgage product that consumers may not be aware of?
FHA is not always the best answer for first time homebuyers. Conventional products offer 5% down and in some cases 3% down with income limits.
How has the mortgage industry changed since you started, and what would you expect in the future?
I believe the mortgage industry has changed more between 2010-2015, then in the previous 30+ years combined. I expect we see some minor retraction on regulation and less strict underwriting guidelines.
What part of the home loan process do customers find most difficult and how do you help them through it?
Documenting income and assets. With transfersafe and our knowledgeable team of professionals, we only ask for what we need to document. We will explain what documentation is needed and why we need to document it.
What are the top 3 misconceptions people have about the home loan process?
1. Time is on your side - in actuality, the clock keeps ticking and there are deadlines, dates, and locks that are time sensitive. 2. All lenders offer the same products and rates - they don't and it pays to do your research. 3. You save money by not using a real estate agent - it pays to have your home priced by a knowledgeable real estate agent and your offer should reflect the current market. Time saves money.
What 2 or 3 mobile apps would you recommend for home buyers or house hunters, and why? What Smart Apps do you recommend your customers use for the house hunting process?
The GR application to review payments and the application.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
An all star team, real estate agent and mortgage professional, to guide you through the process.
What can borrowers do to insure a smooth mortgage underwriting process?
Provide requested documentation timely.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I have been involved in many associations and groups in the past. At this time I am professionally dedicated to my customers and personally dedicated to my family.
Are you active in any fundraising organizations? What goals and/or success have you helped them achieve?
I am not currently involved as a leader of any organization. My family and I donate to causes that we personally believe in.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born and raised in Haddon Twp, NJ and graduated Haddon Twp. HS in 1996. I graduated Rutgers College in 2000 and currently reside in Haddon Twp.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people buy a home, whether it be their first, the home of their dreams, or a second home, it is rewarding to be a part of someone's personal goal.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Cooking, fishing, and having fun with my family and friends.
Tell us something that makes you unique or something wacky, yet interesting about you?
I love the Rolling Stones and have moves like Jagger!

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