John Nicholls

John Nicholls is licensed in Arizona as a Mortgage Loan Originator. He has been with Counsel Mortgage since 2012, first as a loan processor. He is a licensed attorney in Vermont having been in practice with his firm Abare, Nicholls and Associates since 1976 where his areas of practice were Real Estate Law, Corporate Law, Wills and Trusts and Elder Law. He also was on the Board of Northfield Savings Bank in Vermont and served as the Board Chair for three years.


Counsel Mortgage is licensed by the State of Arizona as a mortgage brokerage, and the State of California as a Finance Broker.  We have relationships with many banks, insurance companies, and private investors and have access to wholesale rates and products that are not directly available to the public. We canvass our resources daily to find the lowest rates and costs for your situation. Even if you have a long-term banking relationship, we have been successful in finding lower rates and costs in the wholesale market.

We believe borrowers deserve honest, ethical and competent service, enabling them to make informed decisions regarding their mortgage needs. In today’s dynamic environment, this service and counseling is invaluable.

We have access to the same mortgage products advertised on radio and TV which promise low interest rates and no closing costs. HOWEVER, be careful, these products may not be as they appear. We will inform you about these and other types of loans with hidden costs and terms so you can make an informed decision.

Contact us today for a complimentary mortgage review. No strings attached!