Nick Fernandez
Loan Officer, Agent Admin, Administrator, Agent
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Testimonials
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Knowledgeable, attentive and will provide several options to fit your needs! That was my experience with Nick Fernandez. Nick listened to what I wanted and what my plans were, he knows the business well to offer several options that would work for me. He took the time to explain pros and cons for each option provided, he was available to calculate figures to get me the payment I was looking (for each plan). Nick was in communication with me every step of the way and even called after I signed the loan docs to see how my closing went and let me know when the loan funded. If you are buying a home or refinancing or just exploring options I highly recommend you call Nick, you won’t be disappointed.
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- Valerie Guzman
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I cannot say enough great things about Nick and his outstanding work as a real estate agent. From the very beginning, he has been more than just a professional—he has been a true friend and an unwavering advocate, always keeping my wants and needs at the center of every decision. His ability to gauge my comfort throughout the entire process is nothing short of remarkable. Whether navigating negotiations, addressing concerns, or simply offering reassurance, Nick made sure I felt supported every step of the way.
His dedication, integrity, and genuine care set him apart in the industry. He doesn't just work for his clients—he truly looks out for them. Time and time again, he has earned my respect and admiration, proving that his expertise extends far beyond buying and selling homes. If you're looking for a real estate agent who will prioritize your best interests, make the experience smooth and enjoyable, and treat you like family, I cannot recommend Nick highly enough.
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- Mike Brannon (Senior IT Support Specialist)
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I was very satisfied with the work Nick provided to me. He was honest, professional, and helped me refinance my home. I highly recommend Nick to anyone planning on purchasing or refinancing their home.
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- Martha Pulido
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The only person I trust with my mortgage is Nick. It was a breeze working with him, very knowledgeable and always responding to any concerns. Thanks to Nick we got the best deal for our first home. He is the only person me and my husband will ever need for future purchases and he is recommended to all our family.
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- Ruth Arevalo
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Nick was great assisting me with the sale of my home. I moved from Nipomo to Iowa so everything was done on line/phone, which was difficult for me being I’m not computer savvy. Nick, Gabriel and their team was patient with me and helped in every way possible. My home sold right away and to good ppl as well. Selling was hard, raised my son there and grandkids grew up there. So anyone thinking you can’t do a long distance house sale….you can Nick and his team made it possible
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- Lillie Rivera (Seller)
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Nick was amazing from start to finish. He was so easy to work with and always made us feel great with the decisions we made. He's so helpful and made the whole transaction easy. He always has a great attitude and loves what he does. He goes above and beyond! Not using Nick would definitely be a mistake. Thanks nick for being so awsome!
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- Jason Singer
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We recently purchased our first home with Nick, and the experience was outstanding. He had a keen understanding of our needs and guided us through each step with professionalism and genuine care. Nick was always available to answer our questions and offered invaluable advice throughout the process. Thanks to his expertise, we found a home that perfectly suits our family. We’re overjoyed with our new place and deeply appreciate Nick's dedication. If you’re looking for a realtor who provides a seamless and supportive experience, we highly recommend him.
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- R C Tongol
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Nick did a great job guiding me through the home buying process. I was a first time hime buyer, but very specific on what area I wanted to live in. With Nick's help I was able to purchase the first home that I put on offer on and couldn't be happier! 10/10 recommend him to anyone looking to purchase!
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- Andrew Stowell (Restaurant Manager )
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I loved the service provided by Nick he was quick to respond to any concerns or questions very attentive to me and my wife, we are very pleased and satisfied with their service especially with the rate that they got us was very outstanding on their part, I would truly recommend their office for your mortgage and real estate inquiries any time.
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- Alex Rodriguez
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Very Satisfied! Saved me and my family so much money! Definitely recommend them! Got me the loan we needed with an affordable payment plan.
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- Brian Ramos
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Nick helped us purchase our first home, he did such a wonderful job that we returned when it was time to refinance. He makes the homebuying process a breeze. I will go to him anytime I need to buy or refinance in the future.
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- Danny Ugo
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Nick just helped us to complete the sale of our home in Santa Maria. We were very impressed by his energy. He went all out on our open houses and even provided delicious hors d’oeuvres for the prospective buyers to enjoy.
Nick brings a lot of energy and enthusiasm to the Santa Maria Realty market. We met him during one of his famous door-to-door campaigns in our neighborhood. His timing was perfect because we had already considered selling our home. He not only found us a buyer, but he also went the extra mile in helping us to accomplish some of the difficult tasks involved in a move.
We highly recommend him to help you with your next home purchase or the sale of your home.
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- Randy & Amy Jackson
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My home in Arkansas sold much sooner than I expected. A friend recommended Nick Fernandez to help me quickly find and purchase a home in Santa Maria. Not only did Nick find me exactly what I was looking he got me the 15 day escrow that I needed. He helped me navigate through the paperwork and handled everything while I returned home to pack. I very highly recommend Nick Fernandez.
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- Tad Stocker
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My partner and I had been searching for a property for over a year. After speaking to a lender, we felt overwhelmed—the numbers just weren’t adding up, and the down payment felt like a mountain to climb. Enter Nick Fernandez. Nick was an absolute wealth of knowledge and a true professional who completely put us at ease with the lending process. Thanks to him, we were able to buy our first home!
To give you some perspective, we were in escrow for three months (it was an unusual situation, but hey, that’s real estate—nothing is ever a slam dunk). During those three months, Nick guided us every step of the way, holding our hands through the entire process. We couldn’t have done it without him!
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- Katie Bautista
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Nick did a fabulous job with the recent sell of our home. Answered every question, and made the whole process so easy and flawless. His energy is contagious it made things so much more exciting when selling our house. Definitely be sure to use nick weather your buying your first house or selling one. Thanks nick for being so amazing!
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- Melissa Singer (Seller)
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Nick did a very great job on helping us find our FIRST home! He definitely takes his time into what he does and does the best for his clients. Satisfied with my 1st home ever, thanks to Nick! ⭐️⭐️⭐️⭐️⭐️
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- Alma Garcia Martinez
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I cant believe how professional and helpful Nick has been. He truly is a breath of fresh air to be working with! There is no one I would trust more to handle my mortgage in Santa Maria.
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- Kyle Gates
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Nick helped me refinance my home and lower my payment significantly! He was attentive and helped me understand what my options were. His level of expertise made the process smooth, he went above and beyond to help me. I recommend him to anyone looking to purchase, sell, or refinance their home! As a veteran he was able to help me with my VA benefits in relation to my home loan.
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- Linda Harvel
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I could not be more content with our loan process,. Nick Fernandez makes sure I always receive answers to any questions or concerns I have. I feel like valued friend where customer service is top notch and readily available with Nick. Nick worked around the clock to make sure I was satisfied and updated me constantly with the progress of my loan. If you want competitive rates, commitment, and trustworthiness, Nick Fernandez at Novel Home loans is your go to.
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- Diana Aguirre
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We were first time home buyers and we bought a home in Colorado from California and Nick made the process so seamless! We are so grateful to have found a wonderful home for our children to grow up in and create so many memories! Nick provided us with excellent communication throughout the entire process and worked so hard to help us achieve our dream of becoming homeowners. A big thank you to Nick and his amazing team we are so grateful!
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- Lacey Priest
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Nick is right on spot with his clients, giving them the knowledge to make choices regarding there Biggest purchase of there life "Their Home" Nick is attentive, conscious of detail to paperwork to make the process very smooth.
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- Yvonne Bixby
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I COULD NOT HAVE ASKED FOR A BETTER TEAM OF PROFESSIONALS. Nick was a blessing to have on my side during the home buying process. I had been looking at buying a house for a few years. All I had heard from my friends and family is how stressful and scary the home buying process is. I reached out to Nick who showed me that it’s not as bad as people make it out to be. Nick explained the home buying process and the different loans that would be available to me from FHA to USDA. Regardless of when I called and how far away the home was Nick was ready within the hour to meet me at a home and show it to me. I drug him through what felt like dozens of homes for a few months. Each one I was hesitant to put in an offer on. He respected that opinion and never pushed me into something I did not feel comfortable with. I eventually told him I was sorry for wasting his time and I didn’t think I would be able to own a home. He respected that and told me to reach out whenever I felt ready. A few weeks later I found a decent home for a fair and affordable price. I sent Nick the listing for the home at 4:00pm that night Nick had shown me the home, contacted this listing agent, spoke with the neighbors in the area, gave me all the information I needed, and helped me put in an offer by midnight the same night. Let me tell you Nick got us a DEAL! I’m talking people don’t believe me when I tell them deal. He provided great support through the buying process he contacted me everyday with updates and throughly explained what was happening. I never once felt like something was being hidden from me. We hit a bump in the road with an underwriter. Nick went to work for us, he fought tooth and nail to make sure we got our keys! Dedication, transparency, communication, and customer service are what comes to mind if I had to describe Nick and his team. If you are even thinking about buying a house call Nick and see what he can make happen because it’s probably more than you think.
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- Robert Kuhn
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This was my first time buying a home so I was super new to the whole process. Nick was super helpful and always so responsive. Very patient with all my questions I had being new to everything. Nick did an awesome job working with his team to make sure I was all set and able to get the home I wanted. Would highly recommend him!
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- Paige Johnson
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Nick and his crew are fantastic.
As first-time homebuyers, we had no clue what to do or expect, and Nick held our hands and guided us the whole way through. No question was left unanswered or as if it was “silly.” He made us feel 100% comfortable during this journey of ours. We felt as if we were (and still are!) a part of Nick’s family.
Thank you so much for everything you’ve helped us with, and continue to do!
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- Fidel Family
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I’d like to take a moment to thank Nick for this home buying journey. From day one, we asked for the impossible and he made it possible. He was so patient, understanding and very determined to find what we were looking for. He asked questions and he was very reassuring. I cannot thank him enough for making this experience a good one. This process was stressful, frustrating at times but Nick always reassured us. I’d definitely recommend him for any help in looking for a forever home. Thank you once again, Nick.
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- Lulu Salinas (Client)
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Nick is excellent at what he does. My family and I felt right at home with him and his team, and they are true to their word. He’d promised us he’d be by our side every step of the way, and he absolutely did so, and then some.
We definitely will be back for our future home purchases, thank you!!
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- Monica F
About Nick Fernandez
As a lifelong resident of the Central Coast, I have a deep appreciation for the stunning landscapes and outdoor adventures that this region offers. Whether it's luxurious properties or hidden gems tucked away in nature, my extensive knowledge of San Luis Obispo and Santa Barbara Counties allows me to showcase the unique allure of our coastal community.I take pride in my commitment to effective communication and high-quality service. As a dedicated mortgage professional, I possess a strong understanding of lending terms and the qualifications necessary for buyers and sellers alike. This expertise is invaluable in ensuring that the mortgage process is seamless and efficient for my clients—whether they are selling their home or purchasing a new one.
Since 2016, I have been immersed in the mortgage and real estate industries, during which time I have cultivated strong partnerships with REALTORS®, Escrow Agents, and other professionals in the field. These collaborations are designed to make your buying or selling experience as smooth as possible. I have successfully guided countless homeowners in maximizing their net proceeds and expanding their real estate portfolios. From helping clients secure their forever homes to advising real estate investors on how to enhance their portfolio potential, my focus is always on achieving your goals.
I have worked with a diverse clientele, including both traditional employees and self-employed individuals, tailoring my approach to meet their unique needs. Outside of my professional endeavors, I enjoy playing music and exploring the beautiful hiking trails of the Central Coast.
As a full-time real estate agent, and mortgage professional my mission is to provide exceptional personal service throughout every stage of your transaction. My business is built on the principles of knowledge, commitment, honesty, expertise, and professionalism. I welcome the opportunity to earn your trust, your business, and most importantly, your friendship. Don’t make another move without me—I guarantee you will notice the difference that quality service can make. I look forward to working with you!
MLS® Disclaimer
Based on information from California Regional Multiple Listing Service, Inc. as of September 28, 2026 8:14 PM UTC This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent.
Based on information from September 28, 2026 8:14 PM UTC The information being provided by CRMLS is for the visitor's personal, noncommercial use and may not be used for any purpose other than to identify prospective properties visitor may be interested in purchasing. The data contained herein is copyrighted by CRMLS, CLAW, i-Tech MLS, PSRMLS and/or VCRDS and is protected by all applicable copyright laws. Any dissemination of this information is in violation of copyright laws and is strictly prohibited.
Any property information referenced on this website comes from the Internet Data Exchange (IDX) program of CRMLS. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
Santa Ynez Valley Assocation of REALTORS® - North Santa Barbara County MLS All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective
properties consumers may be interested in purchasing. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of the Multiple Listing Service. Real estate listings held by brokerage firms other than NextHome Novel Real Estate may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. Copyright ©2026 All rights reserved.
Last Updated: September 28, 2026 8:17 PM UTC
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