Nick Morrone - Lower Mortgage

Name: Nick Morrone - Lower Mortgage
Address: Atlanta, GA, US
Telephone: +16783671059
Price range: Not applicable
Rating: 5

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United States
Atlanta, GA
Nick Morrone - Lower Mortgage

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Mortgage Strategist | Helping Self-Employed & Investors Qualify with Custom Loan Solutions | Lower, LLC Restrictions apply. This is not a commitment to lend.
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Born and raised in the heart of Atlanta, Georgia, I am an Atlanta native with a deep-rooted passion for helping individuals achieve their homeownership dreams. With several years of experience as a loan originator, I have proudly assisted countless clients in navigating the complex world of mortgage. Throughout my career, I have had the privilege of working with a diverse range of clients, from first-time homebuyers embarking on their exciting journey, to seasoned professionals such as pilots and CEOs, building their dream homes from the ground up. Witnessing the joy and satisfaction on my clients' faces when they find their perfect home fuels my dedication to delivering exceptional service and results. Recently, I made the decision to join United Community Bank, a trusted financial institution that shares my commitment to excellence. This transition allows me to focus on specialized areas within the mortgage industry, including construction loans, jumbo loans, and financing options tailored specifically for healthcare professionals. By narrowing my focus, I can provide an even higher level of expertise and personalized guidance to meet the unique needs of each client. One of the standout programs offered by United Community Bank is our exclusive initiative designed to empower first-time homebuyers.* With this program, we have made homeownership more accessible by significantly reducing the required down payment. I am thrilled to be part of a team that prioritizes making dreams come true for those taking their first step into the world of homeownership. As a professional, I bring a wealth of knowledge and a meticulous approach to every transaction. I take pride in my efficiency and the ability to streamline the mortgage process, ensuring a smooth and timely journey to the closing table. By putting my clients' needs first, I build trust and long-lasting relationships, earning the privilege of being their go-to mortgage expert for life. Whether you are a first-time homebuyer, a seasoned homeowner looking to upgrade, or a healthcare professional seeking specialized financing, I am here to guide you every step of the way. With my expertise and United Community Bank's resources, we will navigate the mortgage landscape together, turning your homeownership dreams into a reality. Contact me today, and let's embark on this exciting journey together. Your perfect mortgage solution awaits!

*Not all borrowers will qualify. NMLS # 1795139| United Community Bank, NMLS #421841| Equal housing lender

10/17/2026

Happy birthday to me 🎉🎉🎉🎉 I don’t own rights to this music… but I wish I did!

10/15/2026

🇮🇹🍝 I SPENT 11 DAYS IN ITALY EATING PASTA, PIZZA, AND DESSERTS… AND CAME HOME 5 POUNDS LIGHTER! 🤯🙌

Yes, you read that right. FIVE POUNDS DOWN!

I just returned from 11 incredible days in my favorite country, eating ALL my favorite foods!

Pasta Pizza Gelato and desserts? You better believe it!
Bread, cheese, and everything delicious? YES, P
lol

I didn’t count calories. I didn’t deprive myself. I enjoyed every single bite!

And the FIRST thing I did when I got home? STEPPED ON THE SCALE! 😂

I was fully prepared to see how much weight I’d gained and figure out how I was going to lose it before the end of the year.

But imagine my SHOCK when the scale showed…

🎉 I LOST 5 POUNDS!!! 🎉

And here’s what really has me thinking…

Not once during those 11 days did I feel bloated or uncomfortable after eating. The food tasted incredibly fresh, the ingredients seemed so simple, and I felt GOOD after my meals.

It honestly makes me wonder about the differences between the food we eat in America and the food we eat in Italy. 🤔

Of course, we also walked a TON, so I’m sure that played a part! But the difference in how I felt after eating was just as surprising as the number on the scale.

I went to Italy expecting to bring home beautiful memories and a few extra pounds. Instead, I brought home beautiful memories and LOST five! ❤️🇮🇹

Now I have a question for you…

👇 Have you ever traveled to Europe and noticed a difference in how you felt after eating the food? Or am I the only one?!

10/13/2026

🏆 Still taking this one in.

Being named a 2026: 35 Under 35 Award Winner was an incredible moment.

This recognition means a lot because it represents more than just career success. It represents years of showing up, building relationships, serving people, creating opportunities, supporting the community, and trying to make a positive impact wherever I can.

I’m grateful for every client, business partner, friend, mentor, teammate, and community leader who has been part of the journey.

Awards are great but the real goal is always the same:

Keep growing. Keep serving. Keep creating value. Keep helping people.

Very thankful for this moment. 🙏🏆
Lower Gwinnett Young Professionals

10/12/2026

🏡💰 MILLION-DOLLAR HOMES. 3.5% DOWN. ZERO DOWN. BANK STATEMENT LOANS?!
I’ve been a little quiet on social media lately, but I’ve been BUSY helping homebuyers!
Here’s what I’ve been working on:
🏗️ $1M new construction — Helping two clients explore financing options, including potential jumbo loans.
🏡 Move-up buyer — Recently closed on a condo!
🔑 First-time buyer — Closed on a manufactured home using FHA financing, which can offer as little as 3.5% down for eligible borrowers.
💰 USDA buyer — Helped an out-of-state client purchase with a loan program offering 0% down to eligible buyers in qualifying areas.
🏦 Bank statement loan — Helped a client explore alternative income documentation instead of traditional tax returns.
Different buyers. Different situations. Different mortgage solutions.
Don’t assume you can’t buy a home because you don’t fit into one box!
👇 Comment OPTIONS and let’s find out what may work for YOU!
📞 Nick Morrone
VP of Lending | Branch Manager
Lower Mortgage
450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews
📞 (678) 367-1059
📧 [email protected]
Nick Morrone NMLS 1795139
Lower NMLS 1124061
🌎 I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (except NY, VT, HI). Whether you or your clients are buying across the country, I’ve got you covered.
© 2026 Lower, LLC | NMLS 1124061 | Equal Housing Opportunity Not an offer of credit or commitment to lend. All loans are subject to underwriting approval and applicable lending guidelines, including acceptable credit, income, assets, reserves, employment, occupancy, and property requirements. Programs, rates, fees, terms, assistance amounts, eligibility requirements, and availability are subject to change without notice. Some restrictions may apply.
This content is provided for educational and informational purposes only and should not be construed as financial, legal, tax, investment, or mortgage advice Loan options and outcomes vary by borrower.

10/06/2026

🏆 **THIS FRIDAY — come celebrate with us!**
I’d love to see some familiar faces at the **2026 Gwinnett Young Professionals 35 Under 35 Awards** in Duluth!
I’m incredibly grateful to be one of this year’s nominees, and Friday night is when the **35 honorees will officially be announced.** 🙌
But this is much more than an awards ceremony — it’s always a great night bringing together some of Gwinnett’s incredible young professionals, business leaders, entrepreneurs, community advocates, friends, and supporters.
If you’ve been thinking about coming, **now is the time to grab your ticket because ticket sales are ending soon!**
📅 **Friday, October 9**
📍 **Duluth, GA**
🏆 35 Under 35 Awards
🥂 Networking, celebration, great people, and a fun night supporting Gwinnett’s young professional community
Whether my name gets called or not, I’m genuinely excited to celebrate everyone who has been recognized this year and spend the evening with people doing great things in our community.
**Come join us! I’d love to have you there.** 💚🏆
🎟️ **Tickets:**

https://lnkd.in/eDGVJsHw

Promo code
Morrone26
Tag someone who should come with you! 👇

09/24/2026

She wanted to buy her next home… but she didn’t want to drain her checking account to do it. 💰
I helped this client purchase her condo a few years ago. Now she’s ready for her next chapter—and the equity she built became an important part of the conversation.
Here’s a simple example:
🏡 Home value: $350,000
💰 Mortgage balance: $200,000
📈 Gross equity: ~$150,000
That doesn’t mean there’s automatically $150K available to spend—selling costs, liens/payoffs and other expenses matter.
But depending on how the transaction is structured, proceeds from your current home may potentially help with the down payment and closing costs on your next home, allowing you to preserve more of your cash.
Your house may be more than the place you live—it may also be an asset that can help you make your next move.
👇 Comment MOVE if you own a home and want to see what your options could look like.
📞 CONTACT
Nick Morrone
VP of Lending | Branch Manager
Lower Mortgage
450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews
📞 (678) 367-1059
📧 [email protected]
Nick Morrone NMLS 1795139
Lower NMLS 1124061
🌎 I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (except NY, VT, HI). Whether you or your clients are buying across the country, I’ve got you covered.

© 2026 Lower, LLC | NMLS 1124061 | Equal Housing Opportunity
Not an offer of credit or commitment to lend. All loans are subject to underwriting approval, eligibility requirements, and applicable lending guidelines. Programs, rates, fees, terms, and availability are subject to change. Restrictions may apply.
For educational purposes only; not financial, legal, tax, investment, or mortgage advice.
Home equity and net proceeds vary based on property value, mortgage balance, market conditions, selling costs, and other factors. The example shown is hypothetical and does not represent guaranteed equity or proceeds. Using equity or sale proceeds toward another home is subject to transaction structure, qualification, and applicable lending guidelines.

09/17/2026

👀 I’m looking for someone very specific…

If I wanted to find a highly motivated salesperson — hungry, coachable, competitive, great with people, and genuinely driven to make more money ….but they knew absolutely nothing about real estate or mortgages…

Who comes to mind?

I’m thinking about mentoring the right person and helping them take the sales skills they already have and apply them to an industry where, with the right effort, consistency, and development, there is a real path to becoming a six-figure sales professional.

No real estate background required.

I care more about work ethic, personality, discipline, hunger, coachability, and the ability to build relationships.

If you know someone who sounds like this, tag them or send them my way. 👀

This could be a very interesting opportunity for the right person.

09/16/2026

🏡IF Mortgage rates get to 7%… why would anyone buy a house?
Because the interest rate is only ONE piece of the deal.
In many markets, buyers may have opportunities to negotiate things like:
💰 Purchase price
🏡 Seller-paid closing costs
🔨 Repairs
📉 Eligible rate buydowns
And if rates improve in the future, refinancing may be an option for qualified homeowners—but there’s no guarantee rates will fall.
Instead of waiting for the “perfect” market, find out what opportunities actually exist for YOU today.
👇 Comment BUDGET and let’s look at your purchasing power.
📞 Nick Morrone
VP of Lending | Branch Manager
Lower Mortgage
450+ Families Served | $150M+ in Volume | 150+ 5-Star Reviews
📞 (678) 367-1059
📧 [email protected]
Nick Morrone NMLS 1795139
Lower NMLS 1124061
🌎 I’m your personal point of contact, backed by a powerhouse team licensed in 47 states (except NY, VT, HI). Whether you or your clients are buying across the country, I’ve got you covered.
© 2026 Lower, LLC | NMLS 1124061 | Equal Housing Opportunity
Not an offer of credit or commitment to lend. All loans are subject to underwriting approval and applicable lending guidelines, including acceptable credit, income, assets, reserves, employment, occupancy, and property requirements. Programs, rates, fees, terms, eligibility requirements, and availability are subject to change without notice. Some restrictions may apply.
This content is provided for educational and informational purposes only and should not be construed as financial, legal, tax, investment, or mortgage advice.
Mortgage rates vary based on market conditions, loan program, borrower qualifications, property characteristics, and other factors. Any rate referenced is for general educational or market commentary purposes and is not an advertised rate or offer of credit.

09/13/2026

We weren’t sure if any family or friends join us for Grayson days food festival. we got extra tickets just in case

We had lunch and then still had so many tickets left and now we have enough for five meals since no one joined lol

Chicken and rice.
Steak and rice
Cheese pizza
Pepperoni pizza
Chicken pizza
Bake baked ziti
Garlic bread
3Zaxby’s sliders

Dessert
Delicious sugar cookie
Delicious New Orleans poundcake

Not pictured
All of the food we ate like Jamaican oxtail
Jamaican Alfredo
Sweet and spicy chicken wings

Oreo cheesecake custard
Salted caramel custard

09/11/2026

❤️ Sometimes this work is about much more than the mortgage.

I’m currently working with a woman who lives outside the United States and is trying to make a home purchase here work.

Between the distance, different time zones, the language barrier, and several challenges she has encountered along the way, she has been incredibly discouraged. We’ve spent a lot of time communicating through WhatsApp, walking through questions, numbers, documents, and next steps one piece at a time.

Today, she asked me to reach out directly to her real estate agent because she was worried that her English wasn’t good enough to explain everything she was trying to accomplish.

I stopped her and said:

“Ma’am, please don’t say your English isn’t good. Your English is just as good as mine. I understand you very well, and I’m very happy to be working with you. Thank you for trusting me.”

She became emotional.

And so did I.

She told me she finally felt like someone understood her and had her back.

That moment meant a lot to me.

She lived in the United States years ago and is incredibly excited about the possibility of coming back. We still have things to work through, and I’m still working on the numbers and financing options to determine what may be possible.

But regardless of where the transaction ultimately goes, this was a great reminder of why I do what I do.

Mortgage lending isn’t always about interest rates, loan programs, or getting someone to closing as quickly as possible.

Sometimes it’s about being patient.
Sometimes it’s about listening.
Sometimes it’s about explaining something for the fifth time without making someone feel uncomfortable for asking.
And sometimes it’s simply making sure a person knows:

“You’re not doing this alone. I’m here, and I’m listening.”

I’m grateful she trusted me enough to let me help her through this process. ❤️🏡

Address

Atlanta, GA

Telephone

+16783671059

Website

http://www.lower.com/lo/nmorrone

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