Purchase or Refinance Your Home with Confidence.

Offering the best mortgage rates, options and service.

Explore your lending options with ease

At Nickel City Funding, Inc, we provide comprehensive loan assistance to guide you through the entire loan process. We help homeowners apply for a wide range of loans, including:

Conventional loans
USDA loans
One-time construction loans

When you work with us, you can count on a quick turnaround time and fully transparent communications. Call now to work with one of our loan specialists based in West Seneca, NY serving all of New York and Florida.

Google Reviews

Nickel City Funding, Inc

4.8

Based on 177 reviews

review us on

Darnell YourKing

15:34 09 Mar 26

No run around. Straight to work. I respect Chris and the entire staff. Wonderful communication and very pleasant. All my real estate ventures will be done through them!

Steven Nagowski

19:24 17 Feb 26

Absolutely fantastic service. Always picks up the phone, highly knowledgeable and dedicated officers and staff. Highly communicative every step of the way. I strongly recommend!

Jennifer Witt

19:37 12 Feb 26

I truly value the partnership I have with this mortgage lender. They go above and beyond for clients, always taking the time to explain options and ensure everything stays on track. Their responsiveness and commitment to getting deals closed efficiently make a huge difference. It’s always a pleasure working together, and I confidently recommend them to anyone needing mortgage services.

Sarah Smith

18:02 12 Feb 26

Can’t recommend Brian Traky enough! Brian made the entire process feel efficient, easy to understand, and we always felt informed. He took the time to explain every step, answered all of our questions quickly, and was always there for support! Appreciate all that Brian has done for us during this process!

Alicia McNaughton

17:19 12 Feb 26

I have been working closely with Chris and his team for a few years now. As a local real estate agent, I love knowing when my clients are in the right hands so I don’t have to worry. Nickel City funding works great together as a team including all parties involved to ensure the transaction goes as smoothly as possible!

Jessica Ebel

11:19 12 Feb 26

I cannot say enough great things about Nickel City Lending and especially Chris Vassallo. As a real estate agent, this was my own personal transaction, so my expectations were incredibly high… Chris exceeded them in every way.

This deal had a lot of moving parts, and from start to finish Chris stayed in constant communication with me every step of the way. He genuinely calmed my anxieties throughout the process, took all of my calls, and responded to my texts and emails almost immediately. I asked a lot of questions, and he was always ready to answer them. If he didn’t immediately have an answer, he made sure to find it quickly and follow up without delay.

Chris’s entire team at Nickel City Lending was just as communicative, accommodating, and professional. We were working on a very tight timeline, and Chris and his team went above and beyond to get us closed much faster than I ever expected. They also worked extremely hard to secure the best possible rates and lending options for me.

As a real estate agent, I work with many lenders, and I can confidently say that I will absolutely be referring my clients to Chris Vassallo and Nickel City Lending. If you’re looking for a lender who is knowledgeable, responsive, and truly cares about their clients, look no further. Highly Recommend!

Madison Davis

03:18 22 Jan 26

Chris was absolutely amazing to work with. He was incredibly responsive, extremely knowledgeable, and genuinely personable throughout the entire mortgage process. He made everything feel clear and stress-free. We couldn’t have asked for a better broker and highly recommend him!

Samantha Borowczyk

03:21 06 Dec 25

I had an absolutely phenomenal experience working with Chase and Nickel City Funding throughout my home-buying process.Chase was attentive, knowledgeable, patient, and truly went above and beyond to make everything smooth and stress-free. Every question I had was answered quickly and clearly, and his guidance made this process feel seamless. I couldn’t have asked for a better broker. I will be recommending Chase and Nickel City to everyone I know!

Anna Rose Pursel

20:24 01 Aug 25

Working with Chris Vassallo and Nickel City Funding was outstanding from start to finish. Chris is incredibly well-regarded—my agent and everyone else involved in the process immediately recognized his name and had nothing but praise for him and his team. That reputation is well-earned. They were relentless in finding solutions when challenges came up, kept me fully informed with clear, consistent updates, and made the entire process feel less stressful and more human. It’s rare to find a team that’s not just professional but also genuinely kind and invested. I truly can’t recommend them enough.

Maria Redenbach

18:40 28 Jul 23

Nickel City Funding, Inc Inc made my home buying experience very easy! I never thought I would come close to ever owning a home. THEY MADE IT POSSIBLE. Colleen and Gamila were very knowledgeable, they were there to assist when I had any question form the simplest to the hardest, being a first time home buyer there were a lot of silly questions but the whole team explained everything to me and made me feel more comfortable with the biggest purchase of my life!

Briana Vaccaro

14:24 07 Jun 23

WOW WOW WOW! From application to closing,the process was so smooth! Which is not bad for first time homebuyers!! Everyone was professional, and quick to respond and i was kept in the loop the entire time which was SO helpful! Thank you thank you!! I highly recommended them for your home buying needs! Thanks again guys! Truly amazing!

Steph

20:08 19 May 23

Im posting this review on behalf of my mother, Ivy. Tim Gleason is AMAZING! He went above and beyond assisting her on the purchase of her first ever home. She appreciates everything you have done for her. Words can never explain how thankful she truly is.

Elliott Parker

00:24 05 May 23

Working with TIM GLEASON from Nickel City Funding, Inc was a dream. He was with us every step of the way and made our first time buying a house incredibly smooth.
Tim was very easy to get in contact with, super flexible and an overall outstanding mortgage loan officer.
His support throughout the entire process was greatly appreciated. He eased our stress and provided peace of mind with his consistent support and encouragement. Not only did we find an amazing mortgage loan officer in Tim Gleason, but we also found a lifelong friend. We will definitely be utilizing his expertise in all of our future needs. Thank you again Tim Gleason and the Nickel City Funding, Inc team.

James Kelleher

19:12 03 May 23

Tim Gleason of Nickel City Funding, Inc guided me and my family through the loan process flawlessly! He continues to help me even after closing on the home. He has earned my trust and I will continue to do business with them for the foreseeable future. I recommend anyone shopping a loan to go through Nickel City Funding, Inc for honest and transparent business.

Brian Sunday

17:56 02 May 23

Recently we purchased our second home with the help of Nickel City Funding, Inc. Our loan officer Brian Traky did a great job walking us through the entire sales process. His knowledge and experience in real estate made our buying experience easy and stress free. The loan processing team of Colleen, Gamila, and Tim were awesome to work with. The overall team dynamic at Nickel City is something you don't see everyday in business. The teamwork, willingness to help each other, and putting the customer first provided my family with an exceptional customer experience. I will continue to use and recommend Nickel City Funding, Inc to anyone I know looking to buy or refinance a home.

Jacob D

15:48 10 Apr 23

Working with Brian at Nickel City Funding, Inc was absolutely incredible. He was by far the most pleasant person to work with throughout my home buying process. Brian took the time to answer each of my many phone calls, provided me with detailed advice, and found the best rate out of the many mortgage lenders I looked through. I have recommended him to many of my friends and family who are looking to purchase or refinance. Thank you to the team at Nickel City Funding, Inc for such a great experience!

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Our Services

At Nickel City Funding, Inc, we offer a comprehensive range of mortgage services for residents of Western NY, Rochester, NY and Florida to everything. Whether you’re refinancing or purchasing a home in New York State, our team is here to assist you. With options including conventional loans, VA loans, USDA loans, and FHA loans, we also provide fast turnaround times and great interest rate.

VA Loans
FHA Loans
One Time Construction

Why Choose Us?

Our customer-focused approach ensures that you and your agents stay informed throughout the process. With over 20 years of industry experience, our knowledgeable processing staff ensures smooth transactions, and we also provide multiple lender options to choose from. We understand the unique needs of self-employed and 1099 borrowers, which is why we offer a specialized bank statement program. Our dedicated team of mortgage professionals are here to support you at every step, simplifying the mortgage loan and interest rate process. Having served over 10,000 satisfied clients, we are proud to be a Preferred Broker with leading lending institutions, allowing us to pass on savings directly to you.

Low Interest

Personal Service

We’re Local

25+ Years
Experience

Multiple
Lender Options

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Nickel City Funding, Inc

Focus on buying your dream home while
we handle the financing.

Go Into Your Investment with Peace of Mind

Are you ready to purchase your dream home? Or perhaps you’re seeking to refinance your current home to secure a better rate? At Nickel City Funding, Inc, our experts are dedicated to making the loan process as seamless as possible by handling the financing and rate negotiations for you. You’ll love our exceptional service, transparent communication, and honorable work ethic.

Choose Us For Home Loan Services

Easier Mortgage Rates & Better Mortgage Loans!

Proudly serving all of New York and Florida since 2006! Call us for a pre-approval process before contacting a real estate agency or bank!

Nickel City Funding, Inc is a premier mortgage broker based in Western New York. With over 15 years of unwavering dedication, we bring you the most competitive mortgage loans and mortgage rates in the greater Buffalo area. Whether you live in Jamestown, Angola, Springville, Hamburg, Amherst, Orchard Park, Wilson, North Tonawanda, or East Aurora, NY, we’ve got you covered. We offer one-on-one services to first-time home buyers and savvy real estate … experts. With 25+ years of experience in the industry, you can count on Nickel City Funding, Inc to handle all of your mortgage rate mortgage loan needs.

We prioritize our customers above all else, ensuring your satisfaction and delivering superior quality control. Our team of dedicated mortgage professionals is with you every step of the way. As evidence of our commitment to delivering the best customer service and satisfaction, a staggering 99% of our business comes from personal referrals. Call us today to explore your mortgage loan options!

To make informed decisions about your home loan, take advantage of our mortgage calculator. It provides valuable insights and guides you toward the best course of action.

Resources

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What are the best programs for homebuyers in 2024 in Western New York? First-Time Homebuyer Programs: Many governments and municipalities offer programs specifically designed to assist first-time homebuyers. These programs may include down payment assistance, grants,...

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Buffalo Named At Top For Best Places To Live According to a recent study done by Zillow, Buffalo, NY has soared to the top of the hottest places to live in 2024. As stated by a Zillow team member: “Housing markets are healthiest where affordable home prices and strong...

When Is The Best Time to Refinance Your Home?

2 Jan, 2024

Timing Your Move: When Is the Best Time to Refinance Your Home? Refinancing your home can be a strategic financial move that potentially saves you money or achieves specific financial goals. However, the optimal timing for a home refinance isn't a one-size-fits-all...