Nicole Okal

Loan Officer
NMLS: #2004076
Phone: 757.201.4499

Nicole was with me every step of the way. She explained things in a way to help me understand the whole process. Nicole Is knowledgabel in her field. I know who to go to if I need mortgage refinancing/finacing if there is a next time.

  • JH

    Jennifer D Virginia Beach, VA

    07 March 2025

The mortgage that’s right for you.

Whether you’re a first time home buyer or buying your dream home, I’m here to help you understand your financing options and find a mortgage you can manage.

Our Peace of Mind Process

Let’s
Talk About You

Let’s talk about your current financial situation and goals to determine loan options that work for you.

Apply
Online

HomespireGO® makes getting pre-approved for a mortgage effortless! Apply online in as little as 10 minutes.

Let Us Do The
Work

Once you submit your application, we’ll work our mortgage magic to get you pre-approved and fully underwritten.

Clear To
Close

Our three favorite words! Your loan is approved and we’re ready for settlement day!.

Ready. Set. Home.

Apply for a mortgage in as little
as 10 minutes.

Digital Mortgage Experience

An experience you’ll love, from your couch to the coffee shop! Apply for a mortgage in as little as 10 minutes, then conveniently upload and e-sign documents within the app.

Peace of Mind

Goodbye paperwork! Securely scan and send mortgage documents for total peace of mind, knowing that your information is kept private.

Real-time Updates

Stay up-to-date with real-time notifications on the progress of your application and watch your loan move from approval to closing!

Download the HomespireGO® App

for an effortless mortgage experience.

Hear From Real Clients

Highly rated reviews from happy homeowners!

Hear from Happy Homeowners

See what my clients are saying

  • Nicole was with me every step of the way. She explained things in a way to help me understand the whole process. Nicole Is k...read more

    JH
    Jennifer D Virginia Beach, VA
    07 March 2025
  • Absolute pleasure to work with Nicole and everybody she reccomended and associated with,

    LM
    Lance Courtland, VA
    04 March 2025
  • super fast closing prosses, it was out 1st time buying a house and while it was a hurdle, I feel that your team help make it very smooth

    CH
    Casey Portsmouth, VA
    17 February 2025
  • Very communicative and nice!

    LB
    Laila Portsmouth, VA
    16 February 2025
  • Good Communication , Nicole kept me informed On every single step of the process. Tha k you so much!

    JG
    Jose Virginia Beach, VA
    18 January 2025
  • Nicole Okal is amazing. I submitted applications to 3 lenders, but felt like Nicole really looked out for me and wanted my busines...read more

    SJ
    Sharon Hampton, VA
    10 January 2025
  • It was very stressful at a point, but Nicole did take up communicating on the process and advising on concerns that I had. In the end things worked ou...read more

    AM
    Angela L Emporia, VA
    10 December 2024
  • Nicole is beyond amazing! She kept us in the loop through the whole entire process of purchasing our forever home! We are forever g...read more

    SS
    Sarah Dawson Blackstone, VA
    06 December 2024
  • I can't say enough good things about Nicol! the ratings in this survey do not go high enough to describe her and her! I'm so glad that...read more

    JS
    Jason Reed Blackstone, VA
    05 December 2024
  • Everything

    LS
    Leroy Suffolk, VA
    26 November 2024
  • Communicative , and on top of it all!

    DM
    Dalton Gibson Portsmouth, VA
    17 November 2024
  • Nicole was punctual and efficient in her communications. I texted her on multiple occassions outside business hours and she replied within 5 minutes i...read more

    ZK
    Zachary Thomas Suffolk, VA
    12 October 2024
  • Professional, friendly, provide consistent information, and was available for questions whenever I needed her.

    JR
    Jonathan Michael Suffolk, VA
    01 October 2024
  • Communication

    JC
    Jeffrey Hampton, VA
    27 August 2024
  • Very detail oriented ,& easy to work with!

    KC
    Kenneth James Suffolk, VA
    24 August 2024
  • Frequent updates

    DY
    David Prince George, VA
    22 August 2024
  • My experience with Nicole was OUTSTANDING! She was always available to take my calls and very knowledgeable of the process as a whole. Thank you NIcol...read more

    AB
    Aldrian Chesapeake, VA
    21 August 2024
  • Nicole was always available and always patient with us. It can be a stressful time and it went so smoothly.

    RB
    Rachel Susan Chesapeake, VA
    21 August 2024
  • Nicole is very friendly, informative and thorough. She got me a better interest rate than a VA loan very satisfied appreciate her expertise. Christo...read more

    CE
    Christopher Scott Chesapeake, VA
    19 July 2024
  • The constant availability to speak with Nicole and the quick and accurate turnaround of information from all personnel involved.

    TS
    Timothy Virginia Beach, VA
    22 May 2024
  • Nicole is what made the experience great. We felt immediate trust with her from the first conversation, and we knew we were good hands. She is the onl...read more

    SF
    Sherrylle Smithfield, VA
    19 May 2024
  • Nicky is professional,kind,funny and knows this business. She is engaging and fun to be around. I would recommend her always!

    KW
    Karen Marie Virginia Beach, VA
    19 April 2024
  • Excellent communication and overall experience was great

    JD
    Jonathan Franklin, VA
    01 March 2024
  • Nicole was there anytime I was unsure of what to do next or what was being asked from me. This was my first home purchase and with my job I was not on...read more

    MF
    Matthew Reid Smithfield, VA
    21 February 2024
  • Professional, and promptly answer any questions we had

    FC
    Francoise Carrollton, VA
    15 February 2024
  • Very detail oriented, Didn’t leave any stone unturned! A pleasure to work with.

    KC
    Kenneth J Carrollton, VA
    12 February 2024
  • Nicole was absolutely amazing during my home buying process. She answered every question I could even think of and made sure that this whole process ...read more

    NR
    Noah Chesapeake, VA
    29 November 2023
  • Nicole and the other associates I worked with always made sure to take time out of their day to make me feel at ease during the home buying process. I...read more

    DA
    Dustin Dean Carrollton, VA
    13 December 2023
  • What made my experience great was the patience and understanding of Nicole and the fact that she was always available with answers when I had a questi...read more

    DM
    Desirah Newport News, VA
    10 October 2023
  • Nicole Okal

    Loan Officer | NMLS: 2004076
    Virginia Beach
    Phone: 757.201.4499

    361 Southport Circle, Suite 202,

    Virginia Beach, VA 23452

    ABOUT ME

    Why did you choose a career in the mortgage industry?

    I love working with people and helping them realize their dream of homeownership.

    What do you enjoy most about your work?

    I enjoy the interaction with clients and working different loan scenarios to find the best fit for my clients’ needs. I love the satisfaction that I receive from helping people/families.

    What are 3 words past clients would use to describe you?

    Helpful, knowledgeable, always available/responsive

    What excites you most about life?

    My family, meeting new people, and visiting new places and exploring new cultures.

    How do you give back to your community?

    I host events for first time homebuyers and participate in local charities.

    How do you enjoy spending your free time?

    Hanging out with family and friends, traveling, listening to music, and watching movies.

    What quote motivates and inspires you?

    You cannot have a positive life and a negative mind.

    What's the best movie of all time?

    The Godfather

    LICENSE INFORMATION

    Licensed in VA and WV.