Nicole Del Prado

NMLS #243446 | CA- BRE #01381348

REAL ESTATE BROKER

Licensed in California

At 21, I bought my first house. It was a 2-bedroom, 2-bathroom condo in San Mateo, California. I remember how difficult and scary it was to select an appropriate loan, and to try to understand the loan programs, interest rates and loan options. I didn’t know what a Good Faith Estimate was, less even how to read one. My realtor and loan officer were both new to the industry, and there wasn’t much buyer guidance from either.

That experience, and my subsequent property purchases throughout California over the last three decades, have shaped my business to what it is today. I have designed and built custom homes, I have drawn floor plans, I have walked property lines, I have dealt with the building and planning departments in most counties, and I have reviewed bids and contracts for myself and for many clients.

Fast forward to 2021, I have been a Real Estate Broker and mortgage broker in the state of California since 2003. I love what I do, and this is reflected in my clients’ testimonials. I am one of the few Brokers that knows both sides of the mortgage and real estate transactions equally well.

I will continue to work in this industry for the decades to come, and I will support all first-time and repeat home buyers, as well as continue to help my clients grow their property portfolios as I share my life’s knowledge of the real estate industry.
 
 

Real Estate

DP Realty Pros

Whether you are looking to purchase your first condo, town home or single-family residence, or expand your property portfolio, I will help you get into your dream home anywhere in the state of CA. I specialize in equestrian property throughout the Bay area.

If you have questions about properties in other states, I will refer you to the best professional in that geographical area.

I work closely with leading commercial brokers, and will refer your enquiries pertaining to commercial property.
 
 

Mortgages

  • Home purchase loans
  • Construction loans
  • Reverse mortgages
  • Refinancing loans
  • Cash-out loans
  • Self-employed and stated-income loans
  • VA loans
  • FHA loans
  • Private and hard-money loans
  • Holders of valid United States work and student visas, where eligible: H1B, E, L, K, O, F1


 
 

Construction

Properties I have built in CA

  • 218 Montalvo Road, Redwood City
  • 810 Crestview Drive, San Carlos
  • 2015 Foxtail Court, Santa Rosa

Properties I have remodeled in CA

  • 17950 Sunset Way, Sonoma
  • 1300 Milton Road, Napa
  • 55 Page Street, San Francisco
  • 544 Central Avenue, San Francisco
  • 1030 Cherry Avenue, San Bruno


 
 

Property Management

24/7 Property Management with a personal touch!
Short- and long-term management of residential lease properties throughout the Bay area
 
 

Nicole Del Prado

NMLS #243446 | CA- BRE #01381348

REAL ESTATE BROKER

Licensed in California

At 21, I bought my first house. It was a 2-bedroom, 2-bathroom condo in San Mateo, California. I remember how difficult and scary it was to select an appropriate loan, and to try to understand the loan programs, interest rates and loan options. I didn’t know what a Good Faith Estimate was, less even how to read one. My realtor and loan officer were both new to the industry, and there wasn’t much buyer guidance from either.

That experience, and my subsequent property purchases throughout California over the last three decades, have shaped my business to what it is today. I have designed and built custom homes, I have drawn floor plans, I have walked property lines, I have dealt with the building and planning departments in most counties, and I have reviewed bids and contracts for myself and for many clients.

Fast forward to 2021, I have been a Real Estate Broker and mortgage broker in the state of California since 2003. I love what I do, and this is reflected in my clients’ testimonials. I am one of the few Brokers that knows both sides of the mortgage and real estate transactions equally well.

I will continue to work in this industry for the decades to come, and I will support all first-time and repeat home buyers, as well as continue to help my clients grow their property portfolios as I share my life’s knowledge of the real estate industry.
 
 

Real Estate

DP Realty Pros

Whether you are looking to purchase your first condo, town home or single-family residence, or expand your property portfolio, I will help you get into your dream home anywhere in the state of CA. I specialize in equestrian property throughout the Bay area.

If you have questions about properties in other states, I will refer you to the best professional in that geographical area.

I work closely with leading commercial brokers, and will refer your enquiries pertaining to commercial property.
 
 

Mortgages

  • Home purchase loans
  • Construction loans
  • Reverse mortgages
  • Refinancing loans
  • Cash-out loans
  • Self-employed and stated-income loans
  • VA loans
  • FHA loans
  • Private and hard-money loans
  • Holders of valid United States work and student visas, where eligible: H1B, E, L, K, O, F1


 
 

Construction

Properties I have built in CA

  • 218 Montalvo Road, Redwood City
  • 810 Crestview Drive, San Carlos
  • 2015 Foxtail Court, Santa Rosa

Properties I have remodeled in CA

  • 17950 Sunset Way, Sonoma
  • 1300 Milton Road, Napa
  • 55 Page Street, San Francisco
  • 544 Central Avenue, San Francisco
  • 1030 Cherry Avenue, San Bruno


 
 

Property Management

24/7 Property Management with a personal touch!
Short- and long-term management of residential lease properties throughout the Bay area
 
 

Dear Nicole,

I have rewritten this opening sentence a hundred times. You see, I don’t typically write my mortgage broker to thank them, but note I use the word “my”.

I do this because you are now my “go to” mortgage broker and my friend after my recent experience with you. Closing two challenging deals, each with their own unique life as you know all too well, offer hiccups along the way.

The struggle was how to prioritize what makes you Simply Amazing. I couldn’t, because you’ve managed to capture the ultimate, dream relationship one can have between mortgage broker and realtor.

Here’s what sets you apart:

* Completely approachable (kind, and welcoming, reassuring, confident)
* Always available (unheard of, night, day, weekend, text, phone, email)
* Knowledgeable (you know your product & how to best serve customer)
* Professional (no matter the situation or the personality, or degree of challenge, you are calm and cool)
* Actually engage with Escrow Officers (we know they are not all the same requiring extra hand holding at times)
* Not an alarmist (always have a solution)
* On top of the timeline of the contract (exceed expectations, closing early is always a welcome event)
* Customer service ( every step is with a smile and even a laugh now & then)
* Honest & Truthful (easy for customers to trust & believe you have their best interest and can deliver)

Bottom line, I’m really happy we were introduced to each other. I promise you, I will be referring others to you, even though I want you all to myself, but you are SIMPLY AMAZING and too good, not to share.

I look forward to working with you again!

Until then, have a safe, healthy and Happy Holiday season!

Kind regards,
Patty Turner
Sotheby’s International Realty

Dear Nicole,

Very rarely, one has the opportunity to meet a person who becomes a lifelong friend. It’s all ok when you can list a large number of ways you are the best mortgage broker I or my family has ever worked with. Maybe I could list all the ways you are able to deal with complexity and maybe I could point out how you can magically make everything work, rates can go down, paperwork is accepted, loans are approved weeks ahead of time, or maybe I can tell you how you can get appraisals overnight when there was not one appraiser who was free for weeks!

But in reality, the word is trust. Not only within the professional services you provided for all the offers and two property purchases, but also trust as a person. I know that there may be something you cannot get done … (in theory, there must be something you cannot do, I haven’t seen that yet!) It will be because the very forces of nature prevent you from getting it done!

But maybe there is no secret to your invulnerability – maybe it has to do with the fact that:

– You are emailing, texting, calling and cajoling all parties all the time, 24 hours a day – i am not joking… She will text back and forth at 2 am….
– You never give up
– You are able to get insurance agents, escrow officers, real estate agents, employers, employees, buyers and sellers to do whatever you want, when you want, and are able to tell them how to do anything!
– You have such a command of mortgage companies and banks that you are able to get me rates that I have not ever seen possible! I wish I had known you when I did my refinance last year!
– You understand that the time from offer acceptance to closing is basically a large set of expected crises that can be solved by persistent documentation, followup and ingenuity. Working with you is like working with a battle tank – all I have to do is hide behind and follow the path that you flatten out for me.
– You actually understand the real estate business in all its aspects! Probably because you have so much experience with years in the business actively soaking up the details of how you become the best broker I have ever seen!

Without you, I would never have been able to get the vacation home and family home of my dreams all within the short span of a few months. The last half year has been the best in the last decade. With your help, My family and me are able to achieve the lifestyle that we have been looking for for almost a decade. I thank you again for your help, and hope to work with you again for my next purchase very soon!

Dr. Raghav Raman

Contact

Direct: 650-302-9138
Email: nicoledelprado@gmail.com
Branch: General Mortgage Capital Corporation
1350 Bayshore Hwy #740
Burlingame CA. 94010
Equal Housing Opportunity
 
 

"We called Nicole after working with another mortgage broker (Guaranteed Rate) during several offers/attempts to purchase a home. Working with Nicole versus our previous broker felt like the difference between having a broker on our side and having no broker at all. Nicole amazed us from the start as she worked tirelessly to get us our dream home. We are 100% certain that we would not have been able to buy this home without Nicole's help. She was always available and responded to questions without delay. We cannot say enough good things about Nicole."

– Tony G.
bought a home in Novato, CA

"To All Concerned - Over a period of decades, I have periodically used Nicole whenever I have needed a real estate loan. Every time, I try to find the best rate in the market, before calling her. And even though several years have separated my needs, Nicole has always been able to offer me a better rate than anyone else. This is each and every time; no exceptions. In fact, I don't think I've ever had a mortgage loan originated by anyone else. In addition, even though we've never met in person, I feel that we know each other, in some sense anyway. In today's climate, it's not easy to get a loan. The old days are gone forever. But Nicole has always offered the utmost in service. She has walked me through every stage of the process, and lubricated it for me, so that I suffer the least amount of pain. And she has done this without complaint of any kind. In summary, I would give my unqualified endorsement for Nicole, to anyone needing a mortgage loan."

– Rosenthal Wesley

"We are so thrilled to write a recommendation for Nicole del Prado. Upon a recommendation of a friend, we contacted Nicole after two unsuccessful attempts to refinance our existing mortgage with Chase. Working with Nicole was amazing. She communicated with us every step of the way; she was generous with her time; she explained every little detail; she got us an amazing rate; and she helped us close in a short period of time. Honestly, she completely surpassed our expectations. Nicole is a total pro. We would love to work with her again and we give her the absolute highest recommendations."

– Diana Donovan & Andy Walbert
Mill Valley, CA

"Nicole is a delight to work with, diligent, professional, trustworthy, responsive, and personable are just a few of the qualities that make her such a treasure. She always makes herself available during every step of the real estate process and will patiently explain any aspect of the process which is not understood. Nicole’s knowledge about real estate is multi-faceted and she is able to do more than the average agent. Her recommendations have always been right on, and we have been extremely happy with all the outcomes. Her negotiation skills afforded us some surprising additional perks. We will be forever indebted to Nicole for all the help and in attaining our home. "

– Linda Lee & Tom Fox
first time homebuyer purchased home in San Bruno

"Nicole Del Prado is talented, highly knowledgeable, technologically skilled, and very hard working. She is incredibly focused on her client's needs. She listens well and makes excellent recommendations. She doesn't waste time, and keeps clients informed and up to date on the real estate market. I'm so happy to have met her, and grateful to her for helping find my home. Nicole Del Prado is, hands down, the best in real estate business!"

– J. Simms
Condo purchased in Montclair Ca.

"Nicole doesn’t play games! She is fast, ever-present, and fights the good fight for her client’s best interest. 100% would recommend her services to anyone ready to buy their next home"

– Matthew & Mark Thomas
Purchased condo in Emeryville 2015

"As a first-time home buyer, I had a zillion questions and needed someone who could patiently guide me through the process. Nicole was patient, super-responsive, and could explain things in a way that was easy to understand. She was able to get me a great loan and pushed hard to make sure I closed on time. I would highly recommend her to my family and friends. I would work with her and her team again in a heartbeat."

– S. Park first time home buyer/
condo purchase in SF

"I met Nicole Del Prado through a good friend and client who was purchasing her first home. I was so impressed with her speedy follow ups and professionalism that I myself used her for a refinance on my condo. I’ve worked with many brokers but Nicole is one consultant you can depend on to deliver beyond expectations."

– Moraima Cordon, Realtor
Realtor – Century 21 Alpha Palo Alto Ca.

"Nicole is an honest and charismatic professional who sincerely strives to create a positive experience for her clients. We wanted Nicole to do our loan, but in order to receive the incentives from the developers, we were forced to use their in-house lender (BofA) which turned out to be a nightmare! The process was very confusing, especially with all the charges and closing costs of a FHA loan. Even though she didn't do our loan, Nicole advocated for us throughout the loan process. She reassured us with her broad expertise in the real estate and mortgage industry, and successfully fought the lender when they tried to renege on their promises. It was a pleasure working with Nicole, and we couldn't be more satisfied with the end result."

– Joel B.
Bought home in San Pablo Ca.

"Nicole has helped me navigate the loan approval process as well as home-buying. She has always been extremely attentive, thorough and positive in her interactions with me. I have always felt confident that the most suitable and affordable terms were sought out by her and her staff. I would most certainly work with Nicole again, and recommend her to everyone I know."

– Hayley Lewis
Purchase for primary residence in Redwood City

"Nicole Del Prado (with Pacific Mortgage Cons.) is one of the best in the business. Her ability to navigate the mortgage (rates) business and match my financing needs effortlessly is remarkable. Nicole & her assistants continue to impress me with their flexibility and flawless execution."

– D. Brown
Purchase primary residence in Sonoma

"We turned to Nicole after a very frustrating experience working with other mortgage brokers who claimed they could find loan options for our unique circumstances but were ultimately unable to deliver. Nicole very quickly assessed our situation and assured us that she could find a loan program with favorable terms -- and she did. Nicole’s expert knowledge of the lending landscape and the San Francisco real estate market was invaluable as she helped us navigate the mortgage process. She was responsive and on top of all the details to keep the process moving forward. "

– Janet M.
San Francisco, Ca

"I would highly recommend Nicole for your mortgage needs, she was extremely prompt and efficient. In addition to responding to all my questions with accuracy and knowledge. Nicole would also give the needed attention to make sure that the deadlines were met and was on top of the whole process. From start to end, a very painless procedure."

– Patricia Arsenault & Alex Arsenault
Refinanced primary residence and 4 rental properties

"Nicole and her team did an excellent job assisting us with our home purchase. From loan pre-qualification, purchase negotiations to closing the deal, this was the least time-consuming home purchase we have ever experienced. Nicole went out of her way to keep us informed, gather details on properties we were considering, and work with us to get the best loan for our budget. I recommend Nicole and her team for all Bay Area home buyers."

– E Foster & G Kucharo
Purchase in SJ CA.

"I was new to the Bay Area and a first time home buyer, so I was extremely nervous and clueless about the process. I was referred to Nicole through a common friend and she did not disappoint! Because of her knowledge of the area as well as her time spent learning about me, she was able to focus on properties that she knew I would really like. I ended up needing to only look at a few chosen places before I found a home I love in only 2 months! She helped me negotiate a great price and walked me through the whole buying process with relatively little stress and worry on my end. I will be looking to her again for our next home purchase!"

– Naseem Z.
Purchased penthouse condo in Dog Patch

"Nicole really listened to both of us, took the time to understand what we really wanted, and was incredibly patient, helping us to understand every detail of the process. She was able to find us our beautiful home. It fit our budget and all our needs. We also discovered we didn't have to compromise anything."

– Cindy Neill & Lynn Reilly

"My praise for Nicole cannot even begin to express the help and guidance that she has provided to me over the past few years. Nicole guided me through the entire process with the patience of a saint. I had no financial records in order and my understanding of money matters was slight, to say the least. Nicole just kept gently “chipping away” until I finally understood the process and my loan was confirmed. Not only does Nicole have a great deal of experience and wisdom in her field, she also has a lovely, kind and gentle demeanor. She is a pleasure to work with and I look forward to many more chances to learn from her. "

– L. Tinthoff
Jumbo financing for Napa home on 12 acres

"Nicole made it possible for us to buy our first dream house. From our very first meeting, Nicole made us feel confident about the whole buying and lending process. My husband and I had always heard that a mortgage loan is one of the most dreadful things to go through. But with Nicole at Guarantee Mortgage, it was painless."

– Connie & Milton Chan MD

"Nicole Del Prado is wonderful! I had the pleasure of working with her on the original purchase of my home many years ago. We have maintained a working relationship over the years and Nicole has guided me through refinancing opportunities. She and her team are incredibly responsive and helpful. It is always a relief to know that there is someone so knowledgeable and reputable to work with. The process is smooth and easy to navigate with Nicole at the helm."

– Noelle Seusy
Alameda Ca.

"Choosing to work with Nicole del Prado of DP Realty Pros during our recent home purchase was one of the best decisions we have ever made. It did not matter whether we were looking to purchase a home under the 1M mark, she treated us like we were spending millions on a mansion. We needed a fast close of escrow which meant a lot of immediate extra work and she accepted the challenge willingly and efficiently. She gladly revisited houses with us even when they required a 3 hour round trip. Nicole made sure our dream house checked all our boxes during our search."

– Paul M. Hougard and Debranne Pattillo

"Within the first five minutes of meeting with her, we knew that she was "the one." She seemed smart, articulate, aggressive, to the point, sincere, and trustworthy. Each of these traits, along with a few others, proved true as we navigated our first home purchase with her at our side for each step in the process. We worked with Nicole as both a mortgage broker and our realtor. We have never regretted it. "

– Renee Sanchez and Ernesto Quintero
First-time home-buyers, Pasadena CA

"From the beginning she was single-handedly responsile for the ease and success of the mortgage process. I recommend her without reservation - she is tireless, reliable, efficient, proactive and an invaluable asset in a process where a true advocate is often necessary. She is truly outstanding and I have the utmost respect for her and her services. "

– Robert Charles, MD

"We contacted Lending Tree I nearly April,2020...right after the COVID outbreak. We are both schoolteachers and decided to use the time to get a refi. Rates were a full point lower than the loan we had. The company we picked ,from the referrals, went from good to dragging/Not happening due to various ‘high demand ‘excuses. Our neighbors (two) started their refits after us and completed them in this frustrating period. We switched to the person they used...Nicole Prado. We ended up with an even lower rate, cash out, smooth, and professional communication...and a completed refi before long distance school began."

– Kevin and Michelle Beal

"Docs all signed tonight, so I think we are finally finished! So we just want to say thank you so much for escorting us thru this process and getting us a great deal for both houses. We gripe a little bit at all the requests for documents that need to be submitted NOW, but truly we are appreciative of all that you do to make everything benefit us and we know that your diligence is what gives us the best possible terms. As always, we are grateful for your expertise."

– David and Gloria Corey
Refinanced primary res in SM and second home in Oakdale

"Nicole guided my sister and I through, what to us was, a complicated refi with cash out to add me to the title. Nicole was very patient and explained the process numerous times when we needed her guidance. We definitely plan on working with Nicole again. "

– Bev Ann Blackwell & Lizza Radish
Triplex in Mountain View CA

"Nicole is tenacious! You can rest assured that no matter your situation, she'll work tirelessly to find you the best interest rate. In addition, Nicole will help you navigate the inherently convoluted process of securing a mortgage. She does an amazing job of simplifying the mortgage procedure and I honestly don't think we would have purchased a home without an expert like her on our side. She brings years of experience to the table. Experience that we were lucky enough to have benefited from."

– Stefan & Siena Conde
Purchased a SFR in Oakland

"Nicole is the consummate professional. She is responsive, knowledgeable and efficient. I can't thank her enough for all of her help with our last transaction and look forward to having her work on our next!"

– Dr. Carrie S.
Purchased 20 acres with 2 dwellings in Penngrove

"I highly recommend Nicole as a Real Estate Broker and Mortgage Broker. I gave her my criteria for a new home and she patiently showed me many homes, until we found the house of my dreams! She completely exceeded my expectations in not only supporting me in finding a home, but clearly explaining my options for the various loan types. For Nicole, it isn't just about making a sale: she truly cares for you personally and wants to make sure you are happy with the home you envision for yourself!"

– M. Morales
Purchased a SFR in Oakland

"We felt so fortunate to have Nicole as our Mortgage Broker when we were in the process of purchasing our first home. She made the process alot easier and less daunting by walking us through our various financial options. She's extremely thorough, organized and prompt. With Nicole's help, we finally found our DREAM home. We would work with her again when we are ready to buy our next home."

– Jenny Lee (8 months pregnant) & Drew Dunbar
Purchased a SFR in San Ramon

"We recently used Nicole to refinance our two homes. The entire process from day one to signing and finalizing were truly the easiest transactions we have gone through. Nicole answered every query immediately. She at every turning point ensured we understood 100% what was going on in the process. We highly recommend Nicole."

– L Santos & S Casey
Livermore & Palm Springs

"We have been doing business with Nicole Del Prado for so many years. She has always provided us with great service and attention, and consistently exceeds our expectations. She is straightforward and very helpful in explaining the process from start to finish. Nicole is by far the most knowledgeable, professional and honest mortgage broker we have ever worked with. Her personal attention is a great comfort to us. We have the utmost confidence recommending Nicole knowing that our needs are handled with exceptional customer service and professionalism."

– A Leonido & S Decoste
Purchased in SJ and refi a Hayward property

"Nicole was able to secure me a competitive 30-year fixed rate refinancing, which was challenging in the post-Covid environment as I am self-employed and face particular scrutiny from lenders. She gave me a good heads up as to the requirements I needed to meet and worked with me to get what was needed for a successful refinancing. I really appreciated her clear and assertive approach, as well as her patience in what was a protracted process. This resulted in a successful refi and I'd highly recommend her for mortgage support as well as where you need someone who is knowledgeable, hardworking and accountable."

– Justin P.
Condo refinance in SF during Covid as self-employed borrower

"We used Nicole for our first home purchase and had a wonderful experience with her. The transaction was a bit complicated; it involved a second corporate loan and a 1031 exchange with our parents’ home. The entire process went smoothly: Nicole was extremely organized and efficient and took care of all the paperwork, as well as serving as a liaison with the 1031 exchange realtor and our escrow officer. Her interest rates beat those that we were able to find on our own, and she provided valuable advice throughout the entire process. We will use her again for our future loan needs."

– Angela Wong MD @ Kaiser Permanente
Lawrence Cheung MD

"My wife and I recently worked with Nicole to purchase our first home. As this was our first time working with a loan broker, she was very patient and helped make the process smooth and simple. Nicole answered all of our questions; guiding us from underwriting all the way through the close of escrow. She even found an oversight on one of the loan documents that could have cost us thousands of dollars! Highly recommended -- we'll be back for our refinancing or future loan needs."

– Vincent and Lara Korta
Purchased 4 unit owner occupied in Richmond Ca.
 
 
when your assistant steals your reading glasses
 
when your assistant likes to read up on a 1031 exchange
 
Table Mountain, Cape Town – Carpe Diem!
 
Madrid, Spain – finding my surname
 
Beautiful Little Yucca
 
Cavin, my other inspiration for specializing in equestrian real estate
 
Dear Nicole,

How can I ever convey my gratitude for your guidance, diligence, support, and expertise during my recent contingent real estate transactions? On a scale of 1-10, you delivered a 50+!

Your knowledge of the mortgage industry, real estate transactions as a buyer and a seller, and the depth of your contacts is truly amazing.

You brought much more to the table than just being an amazingly responsive mortgage broker: your guidance helped me make better decisions throughout the whole scary
and daunting process. I am so glad to have had you in my corner!

Thank you for doing an amazing job from the moment I pre-qualified, to the sale of my previous home, to the final recording on my recent purchase. I had NO IDEA what it was like to work with a lender who actually added value to the process and taught me something along the way.

You are a rockstar.

Juli A. Gumbiner
Purchased condominium in Carmel

October 7, 2021

Nicole Del Prado is my hero. She helped me purchase a second home in the midst of the COVID pandemic. I am a partner in two businesses and to say it was complicated during this unique time is an understatement. Nicole worked hard to get the second home purchase approved, but once it closed, she came up with a great solution to refinance my primary home, saving me thousands of dollars. She thinks outside the box and truly cares about her clients. I am happy to recommend her to my family, friends and anyone who is looking for a new mortgage or refinance. Nicole is simply the best.

Kellie Murphy
Boulder Creek, California

 
Nicole Del Prado | General Mortgage Capital Corp., 1350 Bayshore Hwy #740, Burlingame CA 94010 | 650-302-9138 | nicoledelprado@gmail.com