Purchase or Refinance Your Home with Confidence.

Neighborhood Works

Searching For a Loan Program With Flexibility?

A DPCC+ loan may be right for you in West Seneca, NY or anywhere in Western New York

Flexibility greatly increases your chances when looking for a home. That’s why Nickel City Funding, Inc is proud to offer down payment and closing cost plus (DPCC+) loans through NeighborhoodWorks. A DPCC+ loan covers some of the unforeseen costs of buying a property, and it has various additional advantages.

These include:

Saving money by reducing or eliminating FHA insurance premiums or PMI premiums
Increasing buying power with additional fund availability
Pairing this loan with home improvement loans for greater flexibility

You’ll also have greater peace of mind because you won’t have to dip into your savings to cover extra costs. Contact us now if you’re interested in a DPCC+ loan. We serve West Seneca, NY, and all of Western New York.

Learn more about DPCC+ loans

Want more details on down payment and closing costs plus loans? These loans:

Are used towards additional costs on primary mortgages
Range from $8,000 to $40,000, up to 105% CLTV
Require a 620 minimum credit score with no income limits
Prefer a 43% back-end DTI, up to 50% considered with budget counseling
Are available for properties in Erie, Niagara, and Monroe Counties

First-time homebuyers must also complete an education course through NeighborWorks or an affiliate. Speak with an expert today to learn more about these loans.

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Registered Licensed Mortgage Broker-NY State dept. of financial services. All loans arranged by 3rd party lenders. NLMS #1586
Licensed in Florida

Google Rating

4.8

Based on 140 reviews

Nickel City Funding, Inc

4.8

review us on See all reviews

1736543289

ABSOLUTELY AMAZING...Worked very closely with me during the entire process answering any questions along the way and made my big life moment feel stress free. They were able to get me a mortgage even though I had been at my new job less than 2 years, very impressive and very much appreciated. Great Staff, Great Service and Great Results! Would recommend 10 of 10 times.

1735000921

Chris answered questions very well, sometimes even after 5pm, and really helped find a great rate on the right place. He helped twice, about 6 month apart and never complained about having to draw up numbers at two different times or about answering questions.

1731558726

1728701533

Listen when I tell you going thru Nickle city made experience of buying a house so much easier everyone know the process is long and stressful but Chris and his team were nothing short of amazing and I couldn’t be any happier I will always be using them in any future purchases and recommend them to anyone that plans on going thru the process Thank your again Chris Gamilla and Colleen

Ashley Wohlfeil

1728519624

My boyfriend and I were on the hunt for a house. Chris reached out very quickly and helped us during the process. He made it easy for us to understand and followed us along our journey the entire way through. I 10/10 recommend using his team. You won't be disappointed.

1727198046

If anyone looking for a mortgage brokerage that cares for their clients then look no further then nickel city. Chris and his team were amazing meeting all our deadlines and helping us through this stressful time. 10/10 would recommend to any friends and family. Thanks again for everything Chris!!!

1726086261

My husband and I just recently purchased a home. We had the privilege to work with Chris who was referred to us. Chris was professional, knowledgeable and efficient in the process of securing us a mortgage. I highly recommend him and his team he works with.

Elizabeth Williams

1724342803

Excellent A+++ I cant say enough about Nickle City Funding and the help they gave me through the whole Mortgage Process!!! If there was more stars to give in this review, i would hit every one of them. Thank you Brian!!! and the whole team at Nickle City Funding! Brian helped me through my very first steps to be able to purchase my home. He was there to answer questions and give advice from the first step to get pre approved to closing. I recommend Nickle City Funding to anyone that wants to purchase a home, you will not be disappointed! If your not mortgage ready, they will help get you there, with a little time and patience. Thank you Brian, I'm so grateful for all your help! Tim, Colleen, Amanda, i thank you all at Nickle City Funding :)

Brandon Rothenberg

1721066646

Top notch service with Nickel City Funding when applying for a mortgage! You won’t be disappointed if you decide to work with them! I have worked with Matt Miller there multiple times now and he impressed my wife and I when we purchased our rental property. As well as any of my clients that have used him!

1720793999

Chris and the team at Nickle City Funding are 100% on point in every aspect and were upfront from the very beginning. They always answered my calls or called me back right away to answer any question I had. The process of buying our home was a giant headache but Chris and the team at Nickle City Funding was the bright spot in the hole process and they made it easy I would highly recommend them to anybody.

Lindsay Kasprzak

1719266437

Brian Traky at Nickel City Funding has been a long time industry partner in Real Estate. He has successfully closed many homes for our clients and it is alway easy and stress free. Highly recommend, thanks for a great partnership!

Nicholas Bossert

1718973259

Nickel City is great - and we worked closely with Brian Traky whom I would recommend highly. He is courteous, knowledgeable, transparent, and very very prompt & available. Brian made our first home buying process very simple and straightforward. We felt we were in great hands the whole way. Not to mention that we closed AHEAD of schedule, but if we had to do it all over again - I would go with Brian every single time.

1718912465

This team is top notch! They have your pre-approval in 10 minutes. The best interest rates in today's market! I will never go to another lender or send my clients to another lender!

1718635791

Chris V is a phenomenal mortgage Guru.All you need to know.Brad Westcott

1718148416

My fiancé and I worked with Chris Vassallo for a mortgage loan along with his partner Michael and their two processors Gamila and Colleen and I can say WHOLE HEARTEDLY, I would never have gone anywhere else. They made the whole process seamless, easy and understandable. We also got a GREAT rate! They were able to get us closed very quickly, had great communication and just overall extremely friendly.If you need a broker, please don’t look anywhere else. Call Chris and Nickel City Funding!!!

Alicia McNaughton

1716226202

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!

Erica Giallella

1713129551

Matt Short is an amazing lender. I can always count on him for a smooth transaction. His attention to detail, hard-working nature, and availability 24/7 set him apart in the industry. Matt's commitment to always answering the phone and providing professional service make him the best in the business. I highly recommend Matt for all your mortgage and refinancing needs.

1707173514

1706838092

As a realtor I always tell my clients one of the most important things it to surround themselves with the best possible team. Brian with Nickel City Funding is my first recommendation for that team. He is patient, knowledgeable and always quick to respond. He and his team have done so much for myself and my clients. To say they have pulled transactions back from the brink would be an understatement. I will gladly call on Brian time after time because I know I can count on him.

1706709372

I worked with Tim Gleason when I purchased my new home. Buying a home can be stressful! I had a ton of questions and Tim was always available to answer them and explain the financing steps along the way, which helped to put my mind at ease! I would highly recommend Tim to all my friends and family!

1706650536

I wanted to take a moment to express my sincere appreciation for the exceptional service Tim Gleason provides during our transactions. His dedication and expertise went above and beyond all expectations, making everything seamless and successful. His responsiveness and clear communication set a positive tone for our working (and personal) relationship. His commitment to going the extra mile really sets him apart from the rest!Not only did he excel in his professional capacity, but his friendly demeanor and approachability also made the experience enjoyable for both clients and myself. Working with Tim has been an absolute pleasure as I look forward to future collaborations and will confidently recommend his services to my clients.

1705941077

It was honestly a pleasure to work with Brian. He was so helpful even before I officially pulled the trigger on my nowHouse. He took his time to get me all the correct information that was needed and made my purchase flawless- his team was also super engaged and kept me up to date. I would say this was an easy process to buy my first home ! Thank you again Brian for making my homeowner dreams come true 💕

Nicholas Andriaccio (Real Estate Salesperson)

1705416754

As a real estate agent who has conducted numerous transactions with Nickel City Funding, I can confidently attest to their exceptional service and expertise in the mortgage industry. A standout aspect of my consistent interactions with them is the involvement of Chris Vassulo, a remarkable representative of the company.Chris's accessibility is a major highlight. In the intricate and often complex world of real estate and mortgages, having a reliable point of contact is crucial. Chris has always been readily available to address any questions or concerns, demonstrating not just his commitment but also a deep understanding of the industry.The efficiency with which Chris handles problems is particularly noteworthy. The mortgage process invariably comes with its set of challenges, and Chris’s ability to quickly and effectively resolve issues is a testament to his professionalism and skill. This proactive problem-solving approach significantly streamlines the process for all parties involved.I highly recommend Nickel City Funding to anyone seeking mortgage services. Their professionalism, coupled with the outstanding capabilities of team members like Chris Vassulo, truly distinguishes them in the field. They are well-equipped to handle the complexities of the mortgage process, making them a reliable choice for both first-time buyers and experienced real estate professionals.Nick Andriaccio

1702052033

Tim Gleason, was absolutely wonderful to work with. I connected with Tim immediately after receiving my real estate license. Seeing the way he takes care of his clients, made me use him on my own purchase of a home! Tim will do whatever it takes to make sure, you are all set. Tim was always very professional. Called me to inform me every step of the way. Responded promptly to any questions or concerns I had. I highly recommend using Tim for any lender needs you have. He works with an amazing friendly office as well.I Look forward to sending anyone I know his way. They will be very well taken care of! Just know you will be in great hands!

1700249492

Highly recommend Nickel City Funding! I worked with Tim Gleason. He guided me through the whole process and was quick to respond with any questions I had. As a first time homebuyer, I'm so glad I went through Nickel City. Took much of the stress away! HUGE thank you to Tim, Colleen, and Gamila.

Nicole Marszalkowski

1700235813

We worked with Tim Gleason for the sale of my home and while we purchased our new home. He was responsive, answered all of our questions( and there were a lot) and worked with us every step of the way! He was patient and kind and has a really great vibe with people. We liked him immediately! Highly recommend for your mortgage needs and well as buying or selling!!I will highly recommend him to our friends and family!Nicole & Chad

1697126696

I worked with Chris Vassallo as a first time home buyer, wow! What a great person! Thanks to Chris I am now a home owner. He helped me through each step and explained everything so well. He was always responsive when I had any questions. Everything was so easy and smooth than I had expected. He made sure to always keep me updated throughout our house buying process. You will be in good hands if you work with Chris at Nickel City!!

Valone Concrete

1696941619

It has taken me a few months to post this but needed to say that Chris and his team went above and beyond. I highly recommend them to anyone looking for a mortgage.Joanna

1696536017

We were so thankful to have Nickel City Funding referred to us for the sale of our house. Tim Gleason was the best! He provided excellent customer service by answering all my (many) questions. The sale of our house went so smoothly. His team provided excellent communication with an update of my loan weekly. I highly recommend, Tim Gleason & Nickle City Funding!

1694694803

Maria Redenbach

1690569620

Nickel City Funding 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!

1686147885

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!

1684526937

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.

1683246285

Working with TIM GLEASON from Nickel City Funding 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 team.

1683207564

Tim Gleason from Nickel City Funding was amazing. He was always there and guided us every step of the way. Their we're times when everything became overwhelming and stressful. He reassured me and told me to keep packing, LOL 😆 Since we've recently closed on our forever home, I've already recommended him to a dear friend of mine!!! Thank you for everything Tim, we appreciate you 😊❤️❤️❤️

1683141146

Tim Gleason of Nickel City Funding 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 for honest and transparent business.

1683128550

Tim Gleason at nickel city funding was an incredible person to work with. As a first time home buyer I didn't know what to expect. Tim made the whole experience as painless as he could make it. I would recommend Tim to anyone that asks.

1683124554

Nickel City Funding is an incredible mortgage company with a great team. They have none hundreds of mortgages for my company

1683050216

Recently we purchased our second home with the help of Nickel City Funding. 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 to anyone I know looking to buy or refinance a home.

Vinny Paternostro

1682988074

This is our 2nd home we’ve purchased through Nickel City Funding and I’ll never go anywhere else !!!! From offer to close was so simple and easy. The way Paul - Gamila and Colleen prepared you every step of the way was just impeccable - nothing was a surprise nor should it ever be we were always one step ahead and they took the stress right off our backs !!!Thank you for our dream home wouldn’t have been possible without you all !!Go Bills

Terrance Christian

1682092673

I found Nickel City funding via web search and was impressed by all the reviews. Chris and team genuinely lives up to them. They helped me understand the process and guided me in each and every step. Quick to respond and act, I got my clear to close within 30 days of applying with them.

1681141718

Working with Brian at Nickel City Funding 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 for such a great experience!

1680114525

If you want to work with a team of experienced and dedicated people this is where you go to. They made my first home buying experience easy and stress-free! I can't say enough great things about this agency and everyone I was honored to work with and meet during the process..