# Nicholas Kruger — NMLS #1323748
> Expert mortgage loan originator in Arizona and 4 more states helping first-time buyers, refinancing, and home purchases. Licensed #1323748.

## About
- Name: Nicholas Kruger
- Role: Loan Officer
- Company: Distinction Team Lending Powered by AXEN Mortgage
- NMLS: 1323748 (verify: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1323748)
- Phone: (763) 218-5788
- Email: Nick@Distinction.Team
- Areas served: Arizona, Florida, Minnesota, South Dakota, Wisconsin
- Website: https://loansbynick.com/

## Services
- Home purchase loans
- Mortgage refinancing and cash-out
- First-time home buyer programs
- FHA, VA, USDA, conventional, jumbo, and DSCR loans

## Key pages
- [Home](https://loansbynick.com/)
- [About](https://loansbynick.com/about)
- [Advanced Mortgage Calculator](https://loansbynick.com/advanced-mortgage-calculator)
- [Apply](https://loansbynick.com/apply)
- [Blog](https://loansbynick.com/blog)
- [Contact Us](https://loansbynick.com/contact-us)
- [Document Checklist](https://loansbynick.com/document-checklist)
- [Faq](https://loansbynick.com/faq)
- [First Time Home Buyer](https://loansbynick.com/first-time-home-buyer)
- [How To Improve Your Credit Score](https://loansbynick.com/how-to-improve-your-credit-score)
- [Join](https://loansbynick.com/join)
- [Loan Process](https://loansbynick.com/loan-process)
- [Loan Programs](https://loansbynick.com/loan-programs)
- [15 Year Fixed](https://loansbynick.com/loan-programs/15-year-fixed)
- [203k Loans](https://loansbynick.com/loan-programs/203k-loans)
- [30 Year Fixed](https://loansbynick.com/loan-programs/30-year-fixed)
- [Adjustable Rate Mortgage](https://loansbynick.com/loan-programs/adjustable-rate-mortgage)
- [Bank Statement](https://loansbynick.com/loan-programs/bank-statement)
- [Construction Loans](https://loansbynick.com/loan-programs/construction-loans)
- [Conventional Loans](https://loansbynick.com/loan-programs/conventional-loans)
- [Dscr Loan](https://loansbynick.com/loan-programs/dscr-loan)
- [Fha Loans](https://loansbynick.com/loan-programs/fha-loans)
- [First Time Home Buyer](https://loansbynick.com/loan-programs/first-time-home-buyer)
- [Fixed Rate Mortgage](https://loansbynick.com/loan-programs/fixed-rate-mortgage)
- [Harp Loan](https://loansbynick.com/loan-programs/harp-loan)
- [Heloc](https://loansbynick.com/loan-programs/heloc)
- [Jumbo Loans](https://loansbynick.com/loan-programs/jumbo-loans)
- [Multi Family Loans](https://loansbynick.com/loan-programs/multi-family-loans)
- [Reverse Mortgage](https://loansbynick.com/loan-programs/reverse-mortgage)
- [Sba Loans](https://loansbynick.com/loan-programs/sba-loans)
- [Usda Loans](https://loansbynick.com/loan-programs/usda-loans)
- [Va Loans](https://loansbynick.com/loan-programs/va-loans)
- [Monthly Calculator](https://loansbynick.com/monthly-calculator)
- [Mortgage Calculator](https://loansbynick.com/mortgage-calculator)
- [Mortgage Monthly Payment Calculator](https://loansbynick.com/mortgage-monthly-payment-calculator)
- [Mortgage Velocity Calculator](https://loansbynick.com/mortgage-velocity-calculator)
- [Nexa](https://loansbynick.com/nexa)
- [Officer](https://loansbynick.com/officer)
- [Payment Calculator](https://loansbynick.com/payment-calculator)
- [Privacy](https://loansbynick.com/privacy)

## FAQ
### Who is Nicholas Kruger?
Nicholas Kruger is a Loan Officer at Distinction Team Lending Powered by AXEN Mortgage (NMLS #1323748). Expert mortgage loan originator in Arizona and 4 more states helping first-time buyers, refinancing, and home purchases. Licensed #1323748.

### What areas does Nicholas Kruger serve?
Nicholas Kruger is licensed to provide mortgage services in Arizona, Florida, Minnesota, South Dakota, and Wisconsin.

### What services does Nicholas Kruger offer as a mortgage loan officer?
Nicholas Kruger offers a full range of mortgage services, including home purchase loans, mortgage refinancing, and first-time homebuyer programs for borrowers in Arizona, Florida, Minnesota, South Dakota, and Wisconsin. FHA, VA, USDA, conventional, jumbo, and DSCR loan programs are available — compare options, secure competitive rates, and move smoothly from application through closing.

### How can I contact Nicholas Kruger?
You can call (763) 218-5788 and email Nick@Distinction.Team to get started or ask about current mortgage rates and pre-approval.

### What is Nicholas Kruger's NMLS number?
Nicholas Kruger's NMLS license number is 1323748. You can verify this license at nmlsconsumeraccess.org.

### How do I get pre-approved for a mortgage with Nicholas Kruger?
Getting pre-approved is simple: share your income, assets, and credit details, and Nicholas Kruger will review your finances to determine how much home you can afford and provide a pre-approval letter to strengthen your offer.