About Us

The Counsel Mortgage Group®, LLC., is founded on the principle that borrowers need straight-forward and competent counsel so they can make well-informed decisions regarding their mortgage needs. Counsel Mortgage is founded by John Rapasky. In addition to being a licensed mortgage broker, Mr. Rapasky became a CPA in 1986 and an attorney in 1991. As more mortgage products and options came into the market, he saw a need to counsel consumers to help them find the right mortgage. He started Counsel Mortgage for this purpose.

Mr. Rapasky currently serves on the Board of Directors for Arizona Association of Mortgage Professionals and is a Past-President of the Central Chapter, serves on the Board of Directors of the Luxury Home Tour, Inc. and is their Treasurer, and served on the Board of Directors for the Scottsdale Area Association of Realtors from 2016 – 2017.

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.




Mike Green has been a commercial loan officer in Arizona for 15 years, and began with Counsel Mortgage in October 2013. While capable of brokering loans in all segments of commercial real estate, he specializes in gas station and convenience store financing. Prior to coming to Arizona he was a  stockbroker, a managing partner of his own investment banking company, and a business consultant in the San Francisco area for 15 years.  Mr. Green is also the founding Managing Member and Designated Broker of MJG Gas Station Specialists LLC, a real estate and business brokerage firm in Glendale specializing in gas stations Arizona-statewide.  He received his BS from Purdue University and his MBA from JFK University in Orinda, CA. Mr. Green is a member of the Arizona Petroleum Marketers Assn. and the West Valley Commercial Real Estate Group.


Jim Moore is licensed in Arizona as a Mortgage Loan Originator.  He was an Army Ranger in Viet Nam and is a proud veteran.  He has been with Counsel Mortgage since 2008 and a Loan Originator since 2001.  Jim is a government specialist working in FHA, USDA, and VA Home Loans, and programs involving Down Payment Assistance, First Time Homebuyers, HUD Homes, Rural Area Homes, Veterans Administration Home Loan Benefits for Refinance or Purchase, and Manufactured homes, to mention a few.  Ask Jim to find your piece of the American Dream.  Credit challenged?  Step into the world of credit improvement, household budgeting and money management as it pertains to owning a home.



Nicole Cameron is a licensed Loan Originator in the state of Arizona. She started originating loans as a financial advisor at Morgan Stanley in 2001. Recognizing the profound and rapid rewards she was able to provide her clients in mortgages, Nicole went exclusively into mortgages in 2003. She has special interest in assisting our Vets with VA Home Loans and is an advocate for Reverse Mortgages and helping seniors understand if a reverse mortgage is right for them.

Nicole is also a licensed Real Estate Agent of 6 years in the state of AZ and is a Realtor, Pricing Strategy Advisor and a Seller Representative Specialist. This crossover of knowledge and resources is especially helpful to her mortgage clients in valuation of their home for refinance purposes.

Nicole earned her BS from Arizona State University in 1992.

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!