LOAN OFFICER Contact: (916) 765-4009


Contact: (916) 765-4009

Nick Cunningham

Nick Cunningham is the founder and co-owner of Point Equity Residential Lending who is driven to serve the community and help others succeed.  He is married to his elementary school crush, Kelly.  They are both terrible cooks and enjoy eating out whenever they can. With their crazy dogs and wonderful son, they enjoy travel, adventure and quality time with those close to their hearts. 

Nick’s goal as a mortgage professional is to listen well, educate often and always provide great advice.  He prides himself on thinking outside the box and never giving up.


  • Nick is one of the most professional and educated loan officers I have ever met. My review comes from an industry perspective as I am a Realtor. I recently sat in on a presentation that Nick gave to a first time home buyer and it was inspiring to know that there are loan officers out their who are looking out for their client's best interest. Nick took the time to explain the process, terms, and outline the expectations for his client. He set personal financing goals for them and created a plan to help put them in a position to buy. He definitely went above and beyond with these clients. Nick is a true professional and deeply dedicated to making his clients happy.
    — Tony A. from Rocklin, CA
  • Nick really knows his stuff. We bought our dream home recently and it wouldn't have been possible without Nick and his extensive knowledge. Our loan was very complicated (self employed, finances, credit history, etc etc etc.). To top that off I worry about every little thing. Nick was proactive to every possible complication, he knew who would need what and when before they even asked. He kept me calm, and most importantly he made sure we closed on time!!! I just can't say enough wonderful things about Nick!!! And our son really thanks you, he LOVES his new house.
    — Samantha S. from Folsom, CA
  • From start to finish, working with Nick on our refinance has been a stress-free, seamless process. As a mother of two young children, I really don't have the availability and time in my day to deal with all the details that go along with the refi process. Nick and Laura worked hard at providing excellent customer service and we're always on hand to answer any questions I had and there were no surprises at closing. I will absolutely use Nick's services in the future and recommend him to friends and family.
    — Caitlin W. from Rocklin, CA
  • Ethical and on your side is how I would describe Nick. He is truly looking at this job from a consultative and relationship approach. He went as far to tell us we were getting a better deal with our current loan and didn't make sense to make a switch. He is a true professional and gets my recommendation without hesitation.
    — Jeff S. from Roseville, CA


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