Nicki Torres: The Torres Team Movement Mortgage-NMLS 115571

Nicki Torres: The Torres Team Movement Mortgage-NMLS 115571 Our goal is to help you make the right choice for you and your family, ensuring a future of generational wealth and security. All rights reserved.

We are dedicated to offering customer service rooted in kindness and excellence, consistently exceeding your expectations. As a dedicated loan officer based in Fayetteville, North Carolina, I bring a unique perspective shaped by my experiences as a military spouse and a proud mom of seven incredible children. The challenges and sacrifices of military life have given me invaluable insights that deeply inform my approach to serving others, while parenthood has taught me the importance of patience, resilience, and adaptability—qualities that I bring to every interaction with my clients. In my role as a loan officer, my mission is to provide personalized financial solutions tailored to the unique needs of military families. I understand the critical importance of stability and security, especially when it comes to housing, and I'm committed to guiding my clients through the mortgage process with genuine care and support . My dedication extends beyond my professional responsibilities; I'm actively involved in my community, participating in various initiatives that support and uplift those around me. DISCLOSURES:
While it is Movement Mortgage’s goal to provide underwriting results within six hours of receiving an application, process loans in seven days, and close in one day, extenuating circumstances may cause delays outside of this window. Movement Mortgage supports Equal Housing Opportunity.
[AL-58808, CO-100539290, FL-LO49932, GA-42312, KY-MC819453, MS-1004318, NC-I-152921, PA-109287, SC-BFI-MLO - 115571, TN-129811, TX, VA-MLO-50970VA, WA-MLO-115571] | Movement Mortgage LLC. NMLS ID #39179 (For licensing information, go to: www.nmlsconsumeraccess.org). Additional information available at movement.com/legal. Interest rates and products are subject to change without notice and may or may not be available at the time of loan commitment or lock-in. Borrowers must qualify at closing for all benefits.

Nothing makes us happier than hearing from happy homeowners 😊 Thanks for taking the time to share your story with us. I...
09/30/2026

Nothing makes us happier than hearing from happy homeowners 😊

Thanks for taking the time to share your story with us. It means so much! 🌟

Incomes grew 4.6% last year*. Monthly mortgage payments fell. That combination means a mortgage payment takes up a small...
09/29/2026

Incomes grew 4.6% last year*. Monthly mortgage payments fell. That combination means a mortgage payment takes up a smaller share of take-home pay today than it did a year ago**. The ratio improved.

On top of that: down payment assistance programs exist in most markets, gift funds are allowed on most loan types, and there are first-time buyer programs that change the upfront cost significantly.

The number you've been assuming you need and the number you actually need are often very different. The only way to know is to run it with someone who does this every day.

DM our team and let's find out where you actually stand.

*U.S. Bureau of Labor Statistics, 2025 **Redfin, January 202

09/29/2026

When a real estate agent trusts you with loan after loan, that says everything.

Lori has closed deal after deal with The Torres Team, and in this clip she shares what it's actually like working with Nicki on the lending side.

If you're an agent in Fayetteville or around Fort Bragg looking for a loan officer who shows up for your clients (and for you), this is why so many agents keep coming back.

Buying, selling, or referring a client? Let's talk.

The keys aren't in your hand just yet.Before closing, try to keep your finances as steady as possible. A new car, furnit...
09/28/2026

The keys aren't in your hand just yet.

Before closing, try to keep your finances as steady as possible. A new car, furniture financing, or a brand-new credit card may seem harmless, but even small changes can affect the final stages of your loan approval.

A little patience now can help keep your closing on track.

09/25/2026

This week I got to spend the day at the 33rd Regional REALTOR® Rally at the Crown Complex, and honestly it's one of my favorite days of the year.

Here's why it matters for YOU as a buyer, even though it's a "realtor" event: everyone in that room, agents, lenders, title companies, is there learning how to serve you better. New programs, market updates, ways to make the homebuying process smoother for first-time buyers and military families relocating to Fort Bragg. That's not networking for networking's sake, that's the whole industry sharpening its tools so your closing day goes easier.

If you're renting right now and wondering "could I actually buy a home here," that's exactly the conversation I want to have with you. Send me a DM or drop a comment, let's talk about what's possible.

For years, everyday buyers were competing against institutional money. Large corporate investors had deep pockets, all-c...
09/25/2026

For years, everyday buyers were competing against institutional money. Large corporate investors had deep pockets, all-cash offers, and the ability to move fast. This may have created additional challenges for individual buyers and small investors looking to enter the market.

Federal law now restricts those large corporate investors from buying additional properties from existing housing stock.* The institutional buyers that once crowded out everyday buyers have largely stepped back.

That changes the math on making an offer. You're not competing against a hedge fund. You're competing against people in a similar position to you.

Reach out and let's talk about what this means for your search.

*21 Century ROAD to Housing Act, Effective st July 11, 2026.

🚑 Mortgage Emergency Services, reporting for duty! 🩺What a day at the 33rd Regional REALTOR® Rally at the Crown Complex!...
09/25/2026

🚑 Mortgage Emergency Services, reporting for duty! 🩺
What a day at the 33rd Regional REALTOR® Rally at the Crown Complex! The Torres Team suited up in lab coats to diagnose deals, treat rate anxiety, and prescribe a whole lot of confidence to every agent who stopped by our booth in the Crown Expo. 💊❤️
Huge thank you to Longleaf Pine REALTORS® for putting on such an incredible event, and to every agent, partner, and fellow exhibitor who came to see us. We're proud to serve Fayetteville and Fort Bragg families alongside you. 🏡
Got a deal on life support? Stuck file, tricky buyer, closing that needs CPR? Comment 911 and we'll make a house call. 😉

09/24/2026

Stop renting someone else's dream. Start living yours.

A lot of first-time buyers assume they need everything figured out before they can start the homebuying journey. The tru...
09/24/2026

A lot of first-time buyers assume they need everything figured out before they can start the homebuying journey. The truth? You may be closer than you think. From down payment myths to credit misconceptions, here are a few things that might not need to stand between you and homeownership. 🏡

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201 Hay Street Suite 301
Fayetteville, NC
28301

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