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Nicole Rivers

Loan Officer

Office: 732-292-0787
Mobile: (973) 454-8290
Fax: (908) 272-2783
Email: nrivers@jerseymortgage.com
Address: 38 Taylor Ave Manasquan, NJ 08736
NMLS #: 1150526

More About Nicole Rivers:


Nicole "Nik" Rivers, is a licensed Mortgage Loan Originator (MLO), Certified Mortgage Planning Specialist (CMPS), and Financial Independence Advocate specializing in educating and empowering clients about mortgages, and wealth building. 


Armed with financial expertise honed at companies like Ralph Lauren and Calvin Klein, Nicole coaches first-time home buyers using informative tools, tips and advice; empowering clients to make decisions that support visions of financial freedom and stability. She understands that the purchase of a home is not only the largest investment clients make but often the biggest debt they incur, so she analyzes borrower finances from a holistic standpoint, by factoring in the impact of a mortgage on the current and future goals of her clients. She believes that information backed by action is powerful and transformative. 


As a 2013 Rising Tide Capital graduate, and charged with a mission to serve, Nicole guides clients along the path to home ownership and encourages the development of a 'wealth mindset'. 


When she is not running her business, Nicole enjoys spending time with friends and family. Her favorite things include: chai tea lattes, french fries,  leisurely Saturday visits to local book stores, feeding her inner foodie on wild culinary adventures, researching new entrepreneurial pursuits, and cultivating her passions for travel and  interior design.




I am so appreciative to @nikthebanker for sharing her expertise with me.  She is an amazing subject matter expert on all things finances for real estate.  After reading a book about mortgages, I wanted to lower my interest rate by refinancing a home that was once my primary residence, but now serves as my first rental property.  Because the book was written a few years ago, I wanted to find a current expert to ensure that I was making a smart move.  I immediately went to social media, typed in a few hashtags and there she was.   After following her on Instagram, I realized she had a phenomenal podcast to educate her audience on everything from taxes to multiple income streams.  I’m a podcast fanatic, so she was speaking my language. I began engaging her by commenting on her IG posts and she always responded with her gratitude and appreciation.  From there, I sent her a DM, expressed how much I value her time, and wanted to know if she could give me some insight on my refinancing opportunity.  She was so helpful.  She was so prompt with providing me relevant and real answers that lead me to make the best decision for my situation.  Thanks to her, I’m now on a position to pay my property off faster, build more equity in the home, and per her advice, look for other investment opportunities for the money I am saving.  One brief interaction with her literally changed my future.  I’m so grateful that she took the opportunity to share her knowledge with me.  She’s so helpful and extremely humble.  I’m forever a @nikthebanker fan!  


Please let me know if I can do anything else to help you. I’m forever grateful to you because you took the time to answer my questions.  That means so much to me. 



@becomingTa on IG


Nik, thanks so much for taking my call today even though you were in the middle of training…somehow you still weren’t too busy for me. You made me feel like nothing was more important to you than answering my questions and making sure I was well informed and educated on the home buying process and options before signing anything. I felt so much better after our chat and now I feel empowered and completely ready to move forward with next steps to purchase our first home.


I am so happy now! Being a home owner for the first time. But it was hard getting to the finish. I have to thank Nicole Rivers from Jersey Mortgage for her continued help.She would take all my calls and find answers to my many questions. I'm so glad she was recommended to me and I continue to tell everyone how much she helped me. I will tell anyone looking to buy a house to give her a call. Thank you for helping to make this dream come true.

Frances P


Its is Sam Pica with LaTorraca Realtors at 1012 Broad Street, Bloomfield, N.J. 07003. I want to take this opportunity to let you know it has been a real pleasure working on the matter that is as pleasant and knowledgeable as yourself. You were always on top of any issues that came up and made sure they were resolved. None of the mortgage financing today is easy. 

You did an OUTSTANDING JOB!!!! Thanks for all the excellent work. Looking forward to another transaction with you. 

Sam Pica

Omg!!!! What can I say? It has been such a pleasure to have worked with Nicole Rivers.  She is truly a gem! She embraces you with such care and assurance.  From the beginning of this process to the end Nicole was only a phone call away.  She has a way of calming your uneasy spirit down.  She is what I call God sent..... She makes sure you understand the process each and every step of the way.  There was times when I felt like just completely giving up but, Nicole would be right there to talk me off the ledge.  Nicole made my mom's first time home buying experience such a pleasure. She made my mom feel safe and secure in every step of this process. She genuinely cared about the well being of my mom.  Nicole didn't treat her like a $$ sign. She is truly the best and I am so grateful and thankful for all the hard work she has put into making sure the closing went smoothly. I advice anyone looking for someone who is honest, reliable, assuring, caring and dependable to contact Nicole Rivers at Jersey mortgage company. 


Ms. Glinder & Jan

First time home buyer loans don’t have to be confusing

Timing is everything when it comes to real estate and financing. With home prices and home mortgage rates so low, there’s never been a better time to refinance your current loan, purchase a second home or explore First Time Home Buyer Loans.

There’s also never been a more important time to look beyond the promise of low rates and get your home loan from a mortgage company you can trust; one with a proven record of unsurpassed customer service and an established reputation. Whether you’re in the market for fixed rate or adjustable mortgage rate terms, our award-winning mortgage company in NJ can customize the right mortgage package just for you.

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Loan Options

You Can Pick From

Because we’re a direct lender, we’re able to offer programs and services that others can’t; like direct in-house underwriting, FHA, USDA, VA, First Time Home Buyers, and other home loan programs. And, we have established relationships with all the major financial lenders so you get exactly the right loan package for your needs.

  First Time Home Buyers

Explore the benefits of our First Time Home Buyer programs and see what unique advantages exist for new home buyers.

  FHA Loans

FHA refinance and other FHA loans are ideal for families who have a compromised or non-existent credit history

  USDA Rural Housing Loan

When a traditional home loan isn’t an option, and you’ve found a home in an eligible county, a USDA Rural Housing Loan is an option.

  VA Home Loans

The VA Home Loan program helps Veterans acquire homes with almost no “red tape” and extremely flexible guidelines.

  Mortgage Refinancing Options

With mortgage refinancing, you can free up cash to pay down debt or even invest in other real estate

  Reverse Mortgages

There are many mortgage options available to suit almost every type of borrower., including Jumbo Loans and more.

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