Grace Nichols

AVP, Mortgage Lender

NMLS # 1886626

Apply for a home loan Direct: 309-808-2705 Mobile: 309-706-8266

Grace Nichols stepped into the world of lending in 2015 by helping people finance auto loans. She worked one-on-one to help clients understand how to improve their credit score and started hosting financial literacy workshops in the Bloomington-Normal area.

She says, “The first thing you learn in working with borrower's is listening and investing in their goals. First and foremost, you are a resource in helping them achieve this list of dreams. The top item that I was hearing was, ‘I want to buy a home for my: children, new marriage, saying good-bye to the monthly rent, etc.’” Then and there, she began helping people who wanted to purchase a home but were afraid of the process.

With that, she soon became a resource for people before they completed a mortgage loan application.

She began working with a mortgage loan officer, ensuring that the boxes were checked before an application moved over for processing. “When you start at the beginning stages, you truly build the framework and emotional investment in each transaction. The borrower's dreams become your dream, and as they grow excited for the process and potential purchase... SO DO YOU! Within a year, my heart was destined for the mortgage industry.” At that point, she began working on her NMLS certification.

In 2019, Grace became a mortgage lender. She joined INB in 2021.

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