Nick was amazing. This is my second time refinancing with him. He is kind and caring. He truly cares, gives amazing advice and really listens. Contact Nick for all of your mortgage needs. You won't be sorry. Nick was exceptional. This is our second time refinancing with him. Nick listens to you really listens. He is compassionate and kind. He explains everything and makes sure you understand. I would highly recommend Nick for all of your mortgage needs. Amanda, Nicks Manager, was awesome and kind. She introduced herself and said if we needed anything to reach out to her. Roberta was our loan processor she was very helpful and was right on it!!! Loved working with this team
 

Perry and Toni G. - North Carolina
 

Reliance First Capital is great to work with because of its people! Nicholas went the extra mile to get us a great deal in this challenging market. It should be 6 stars! You have definitely earned a customer for life.
 

Toby B. - North Carolina
 

I worked with Nicholas in securing 2 refinancing loans. I have nothing but good things to say about him. Nick is strategic in the formulation of your loan based on your individual need and circumstance. He is a conscientious individual who will provide knowledge, expertise and guidance throughout the process. I would definitely recommend Nick and the Reliance First Capital team to assist and address your needs.
 

Lance W. - New York
 

Nicholas was in contact and helped clear up questions and concerns.
 

Bradley S. - North Carolina
 

Nicholas provided exceptional service to me. I would highly recommend him to anyone.
 

Cindy P. - Virginia
 

Nicholas went above and beyond! This is the 2nd time we have used Nick and he is the BEST. Nick is professional and dedicated to his customers. I consider Nick a friend now. Thank you so much.
 

Frank O. - South Carolina
 

Nicholas went above and beyond my expectations. He returned all my calls in a timely manner, even when dealing with things happening on his own time. He was extremely knowledgeable of the loan process and was patient with me, even at times when I kept asking questions. He always would tell me to get a pen and paper to write things down so I wouldn't forget what was needed from me. I was very comfortable with him. At this time, there's no one I can think of, but if it ever comes up, I will always recommend Reliance First Capital.
 

Sharon J. - New York
 

We are a repeat customer. This time, we were fortunate to work with Nick Eberwein. He was personable, professional, patient and knowledgeable. He looked for all options to fit our needs and made us feel like people instead of numbers. The process was so easy and quick. From working with Nick, to the processor Roberta, to the notary, every interaction was exceptional. Nick is a true asset to this team and represents this company well. We will refer all family and friends to him in future, as well as any future mortgage needs ourselves.
 

Susan P. - Kentucky
 

Our experience with Reliance First Capital was a good one. We were searching for a company to help us reach our financial goals. We randomly called this company from an advertisement before we were ready to commit and Nicholas answered the call. He was warm and personable. We Were able to talk and get to know each other and he got to know what we wanted and what we needed to do. When we were ready about 6 months later, he stood out to us more than all the other sales people from various companies because we felt like we knew him and he knew us and he did not hound us like the others. Nick was able to do what other representatives from other companies told could not be done. He did the research, he waited patiently for us to be ready. He helped us to meet our financial goals with ease and we are grateful.
 

Desmond N. - New York
 

Great service, good people, very professional. Nick knew just what I needed and work very hard to make sure I got it 5 star it was a lot of work but he got me through it.
 

David F. - South Carolina
 

Working with Nick was a joy, I cannot say enough about his caring personality and his genuine professional love for each one of his clients. He definitely made the entire process simple, he explained each step in the process from start to finish. His knowledge is unmatched, he’s a great guy and with a company with Nick and the team you are family, not just a client. Nicholas and Carolyn are both very caring open and honest they treated me like family not just a client. This is a awesome company with great caring knowledgeable people who will guide you every step of the process you are more than just a credit score you get treated with dignity and respect every step of the way.
 

Sean L. - North Carolina
 

We have had dreams come true since first meeting Nicholas Eberwein 5 years ago. After purchasing an older home that would need to be remodeled we realized very quickly how much Nick could help us achieve our goals with Reliance First Capital. More than once Nick has helped us, he listened to us and we feel like he truly cared about what is important to us. Nick is the best! Over and over he has worked with us to achieve our goals. I feel like we couldn't be where we are today without Nick and Reliance First Capital. Thank you Nick.
 

Joy W. - South Carolina
 

Nicholas - the man, the myth, the legend.
 

Thomas D. - New York
 

This is the 2nd time we have worked with Nick to refinance our home. He is consistently professional, a gentleman, knowledgeable, patient, and understanding. He’s a great listener and advisor. He truly cares for his clients and that is abundantly clear. He explains the entire process, step by step, and is extremely detailed. We highly recommend Nick!
 

Joanne S. - New York
 

We highly recommend Nicholas at Reliance First Capital to anyone seeking mortgage advice. This was our second time refinancing our home with Nick. His expertise and dedication made the process once again seamless and stress free. Nick is efficient, professional, knowledgeable and so easy to talk to. We are truly grateful for his assistance and advice with our financial needs. A wonderful smooth experience once again. Definitely 5 Stars!!
 

Robert A. - New York
 

Nick, Amanda, and Roberta really worked with us to get our loan to process. We really appreciate Reliance First Capital helping us to consolidate all our debt into one payment.
 

Vanessa J. - Virginia
 

Nick was very professional and explained each phase of the process.
 

Edwin L. - North Carolina
 

Very professional.
 

Pedro S. - New York
 

Nicholas earned my trust and respect. Very knowledgeable, professional, intelligent, and good-natured caring individual. Really appreciated his hard work and getting us to the finish line! Entire team and process was outstanding!
 

Kathleen O. - New York
 

Nick was great to work with. Very professional. Kept me totally up to date every step of the way. Genuinely seemed very concerned to help us. Ask for Nick you won't go wrong. No pressure. Very pleased.
 

John M. - North Carolina
 

The 1st time I spoke with Nicholas was back in October 2024 when I had been rejected by another lender because of one late mortgage payment due to a medical emergency. He gave me great advice going forward to the following year and told me to call him in May of 2025. I received the standard letter from him after our conversation – but never opened it. The letter did however, stay on my night table for seven months – unopened. I told myself I'd call him in June. June 4th Nicholas called ME! We talked on the phone about my goals (home renovations, medical bills, etc.). We started the loan process on June 6th 2025, closed on July 25th 2025. It was a seamless process. Nicholas knows his industry extremely well. Along with is associate Amanda Mowbray I felt very well taken care of. A lower interest rate and a better piece of mind. I am fortunate that he kept me on his calendar. Pros: Communication!! Honesty!!! CLARITY!!! Flexibly!!! Cons: Can't meet him and the team in person to say THANK YOU and shake their hand “at the moment.” Final comment: I'm happy.
 

Ernest J. - New York
 

Marty and I would like to say a big thank you for all of the help provided by Nick with the loan process. He made everything so much easier to understand. His guidance was instrumental in helping us understand our options and secure a loan that was a great fit for our needs. We greatly appreciate how patient and responsive he was throughout the entire process. The loan process can be overwhelming but Nic made it feel smooth and stress free. His financial advice helped us in many ways. We felt we were in great hands the entire time. His personable approach contributed to establishing trust. It’s evident he truly wants to help his customers. It is definitely more than a job to him. Reliance is fortunate to have him as a part of their company. Thanks Nic for all of your hard work. We will definitely be recommending you to anyone we know who is looking for loan options.
 

Rita and Marty L. - North Carolina
 

I would like to thank nick and all the staff for all the help and support they gave me for the refinance of my home, from the first phone call to the day he set the closing date, he was there answering all my questions and kept me up to date with all the details, he saved me about 1100.00 a month, nick and his team are great. I give them 10 stars, you guys are great, I would highly recommend these guys, Nick, Roberta. Amanda if you want a great experience please call this team
 

Chuck C. - North Carolina
 

Nicholas is a wonderful person he listened to me and gave me his unwavering attention until the process was finished.
 

Suzette N. - New York
 

Keep that team.
 

Larry T. - Tennessee
 

Nicholas Eberwein was a great person to work with. Made the process fast and easy. Would recommend working with him.
 

William G. - North Carolina
 

I want to say that my husband and I were very happy to work with Reliance First Capital. From the day my husband met with Nicholas until the day we closed, everything went very smoothly. We were pleased to work with Nicholas and his team. He was patient, friendly and knowledgeable. He listened and answered all the questions we have. The closing was done in the comfort of our home through a notary. That was a big plus. I would definitely recommend Reliance First Capital, especially Nicholas and his team.
 

Desiree K. - North Carolina
 

Nicholas explained everything in terms that I could understand.
 

Patricia B. - North Carolina
 

Our Mortgage Analyst Nicholas was very professional, courteous and helpful. He knew all the right things to do and say. Thank you, Nick! Nick worked with us through the whole process. He would return my calls in no time. And he was very professional and courteous. The whole process went smoothly and was done all on the phone, thru email and text. All personnel at Reliance First Capital were courteous and helpful.
 

Teresa and Jerry S. - Kentucky
 

With personal experience, doing a loan process with Nicholas Eberwein, I can honestly say it was very easy, straightforward and he made a complicated system understandable and answered any and all questions. He made it very easy and found ways around certain obstacles to make everyone's dream come true! Also had the pleasure of working with Amanda and Micheal. They all definitely communicated with each other and everyone was on the same page throughout the process.
 

Nadira D. - New York
 

My wife and I worked with Nicholas Eberwein and Reliance First Capital twice now for refinancing. They have been exceptional both times and I would highly recommend them to anyone. They did an excellent job talking through different options for us and we were able to pick the best one for our family.
 

Steve Z. - Virginia
 

Quickest loan...ever. only took 3 weeks. Every problem was dealt with quickly and thoroughly. Kept me well informed during every step. Highly recommend. Nicholas is a magician. Very quick loan. Had a great Mortgage Analyst that dealt with every problem thoroughly. Would highly recommend this company.
 

Alicia W. - South Carolina
 

Nicolas was very pleasant, professional and kept me informed throughout the entire process.
 

Ann-Marie R. - New York
 

Nick and his team were fantastic. They made our refinance smooth and easy. If you are looking for home finance options Reliance First Capital are the people to talk to.
 

Dennie M. - South Carolina
 

My husband and I are both so pleased with our experience with Reliance First Capital. Our loan officer, Nicholas, guided us throughout our refinancing process with such ease. Nick was so professional, knowledgeable and honest. He was so patient with all our questions & helped us to find the right loan for our needs. We will highly recommend Nick and Reliance First Capital to our family and friends. We were very pleased with our loan experience with Reliance First Capital. Definitely 5 Stars!!
 

Robert A. - New York
 

Nick and his team were outstanding during the entire process! I will definitely refer you all to anyone in need of refinancing!
 

Amy B. - North Carolina
 

Everything was great.
 

Cy B. - South Carolina
 

Nick was great to deal with! Answered all questions timely, Great sense of humor! Comfortable to talk to! Keep doing what you’re doing! If any family, friends or neighbors in need of this kind of service we would recommend your company first.
 

Marilyn T. - New York
 

Everything went smooth and was perfect. Nic was the best. He taught me things I had no clue about.
 

Christopher F. - North Carolina
 

I had many calls and texts from other companies reach out to me, but Nick stood out by his kind and gentle approach. He made me feel valued as a customer. He always returned my calls. When I was nervous or anxious he would explain everything to me. I am so grateful today. Thank you very much Nick, I hope they are paying you well because you are the best. Nick provided excellent service. It took 2 years before the loan was funded, but Nick remained in touch with me and his kindness made only want to fund my loan with Reliance.
 

Maurine C. - Louisiana
 

Nicholas was very helpful in helping me with my application and would always return my calls or emails in a timely manner. Thanks guys, you all were super.
 

Hermon W. - North Carolina
 

Nicholas was the one who made first contact with me. I had several other companies who called. I wasn't going to answer the phone because I had too many bad experiences. I decided to answer in hopes that this was different. I am so glad I did. Mr. Nicholas was so nice and understanding about my hesitant attitude. He explained how he and the company had helped people in my situation when other companies would not. The one thing I liked is he gave me all his information and challenged me to investigate. That was comforting. He explained the different programs available to us. He was confident that they would help us. My husband was getting discouraged but I was confident that your company would help. In the end you all did and I was very happy with the results. All because Nicholas took the time to hear my concerns. Thank you Nicholas for all your hard work.
 

Penny S. - North Carolina
 

Nicholas made every step extremely easy. Nicholas explained everything we needed to know and more.
 

Bettie B. - Kentucky
 

Huge shoutout to Nicholas, Senior Mortgage Analyst with Reliance First Capital, who recently helped to guide me through a refinance on my home! To say I went into this process with little knowledge of what I was doing is an understatement! Nicholas could sense that I was, to put it bluntly, scared to death. He was reassuring and knowledgeable and dealt with me in a most patient manner. Everything was explained carefully, all of my options were laid out clearly and my questions were answered in a way that made me feel confident. If I texted Nicholas or called him I always received a prompt response and he always made me feel like I was his most important client! His manner was always professional with a little “down home” sprinkled in. Coming from a small town that really resonated with me! In short, I would highly recommend Nicholas for guidance in any refinancing you might be considering.
 

Pamela B. - North Carolina
 

Nicholas made sure I understood everything and even made an extra effort to get back to me after normal office hours when it was convenient for me. Reliance First Capital has helped me with 2 home loans now and each one was great from start to finish. They worked with me to get the right loan each time.
 

Jeffrey F. - Kentucky
 

We worked with Nick and he was excellent. He went over all our options and explained everything in great detail. Nick was outstanding and we would highly recommend him.
 

Stephen Z. - Virginia
 

Nick went above and beyond to fully explain everything and help us make the best decision for our family.
 

Brooke B. - North Carolina
 

Nicholas walked me through the entire process and it went extremely smoothly and quickly. He contacted me promptly and worked with me on any details or needs as they arose. I will definitely be working with Nicholas again when I have further lending / mortgage needs.
 

Troy B. - Tennessee
 

Awesome job they did for me and my wife, the best service I've had in a long time. A big thanks to Nicholas, the best mortgage analyst I've ever used.
 

Lee W. - Tennessee
 

There is nothing that you could do to improve. My experience was exceptional. Nick explained everything to me in great detail. He was straight forward very caring. You can tell he loves his job and wants the best for his clients. I would highly recommend him. Nick loves what he does and it shows. He is very honest and straight forward and kind! Nick was very friendly, he explained everything perfectly. I would highly recommend Nick for your mortgage and refinancing needs. He gets the job done! Don’t need to improve upon anything. Totally satisfied.
 

Toni G. - North Carolina
 

Nicholas made the process very easy and his communication was excellent. I have a very difficult schedule and he was able to work around it.
 

Martyn A. - North Carolina
 

Nicholas was great to work with, couldn't ask for a better person. Made you feel like he knew you forever and was very respectful.
 

April W. - Tennessee
 

I was very pleased with the service Reliance First Capital provided during my loan process. Very pleased with the entire process! I will be using them in the future if needed and highly recommend them to anyone in need of their service.
 

Doris K. - South Carolina
 

Nick was very punctual and informative.
 

George B. - South Carolina
 

Nick was very patient with me answering questions and following up when I had more questions. Very capable young man!
 

Cynthia M. - South Carolina
 

Hands down on top of their game. Nicholas Eberwein was my first contact as a mortgage analyst, and you would think he was just telling you a story. But there was no story, he knew what he was talking about and made things happen. His Team Manager Amanda Mowbray was available for any additional questions or to help with the processing department when I had some documents that were difficult on my end. Great Team to work with, and I highly suggest using them with your mortgage needs.
 

Bridget J. - North Carolina
 

Nicholas provided us with excellent service. H was very efficient; he answered any questions that we had promptly. The process went smoother than I could have imagined. He was both personable and professional when speaking with us. I would highly recommend him to anyone looking to buy or refinance their home.
 

Shelia M. - Tennessee
 

Nic, Nicholas, and Michael were great! Whole process went very smooth!
 

Sara C. - Tennessee
 

Nicholas was especially professional and very personable and extremely easy to work with during the entire process. I was actually working with another lender and they were moving too fast and I didn't understand some things with the loan they proposed. But, Nicholas took his time with me and walked me through every process with the website and the paperwork that needed to be submitted. Roberta was also very responsive and she got things done quickly when I needed to get certain paperwork. I would definitely call Nicholas and recommend him to any of my friends or family that were looking to get a loan or refinance. Thank you Reliance First Capital. I hope my loan stays with you and I am looking forward to working with your company. Nicholas was so nice and he took his time explaining how to work with the website and helped me understand how to upload my documents. He reviewed everything submitted in such a timely manner. I feel so close to him because we worked together on the phone almost every day for a month. My loan involved some difficult situations and Nick helped me with every step along the way with a home equity loan I wanted to pay off and a with solar panel company that I needed paperwork to proceed with my loan. I would recommend Reliance First Capital and Nicholas Eberwein to my family and friends. Call him, you won’t be disappointed.
 

Christine M. - Pennsylvania
 

Nicholas, from the first phone call, won me over to Reliance with his knowledge of product, sincerity in his desire to assist not just sell me a product. He stayed with me throughout the entire process keeping me informed of all that was happening, what was needed and why, and lots of encouragement when things on my end became bogged down. Every teammate that I encountered, Roberta Henning especially, was very helpful, informed, and k kind. Documents needed from me were not always so easy to obtain, yet, patience and assistance were abundant.
 

Debra K. - South Carolina
 

You made the refinancing process almost enjoyable to me. That is a compliment btw! I normally don’t have that big of a part to play in these types of procedures, definitely don’t initiate them. There are times, not often, you meet or speak to someone who you feel you already know and have for some time. It might be me being gullible, but you know what, it’s all good cause I like it when that happens!
 

Andrea S. - Kentucky
 

Nicholas Eberwein and Amanda Mowbray helped me through the entire process in great detail and with very professional patience with me.
 

Maryann L. - Virginia
 

Nick Eberwein was super!!!!!!!
 

Cynthia P. - Louisiana
 

Nick was my Mortgage Analyst did a great job explaining the process of the loan and how much I could save each month, very professional. He always answered my phone calls and text in a timely matter. And had a lot of patience with me and that says a lot. I don’t have a name as of now but I would recommend Reliance to anyone. I just want to thank all of you for your help.
 

Patricia B. - North Carolina
 

Nick and Michael were excellent and made sure that I was given up to date information. I am extremely satisfied with my results.
 

Arthur C. - North Carolina
 

Nick was very kind and courteous throughout the process.
 

Sharron S. - North Carolina
 

Nick is a very professional person with a lot to offer this firm and their clients.
 

Timothy R. - North Carolina
 

I just want to thank Reliance and its staff for their professionalism and hard work. You made the experience much easier and talked me through every step of the way, thanks again Nicholas. Everything was great.
 

James C. - North Carolina