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Business Page


business profile image

The Envy Group - Lower

Lender
4.9 stars
368 Reviews

Markets served


Florida
Tennessee

Licenses


Company NMLS
#2220351
Additional info available at the NMLS consumer access website

More ways to connect


About us


White glove service, competitive rates, and efficient communication! Nick at the Envy Group has been investing in real estate for the last 7 years and specializes in working with investors who want more than a transactional experience. While working with the David Greene team, Nick quickly built a niche in the investor space as he also invests himself, and aims to be more than a paper pusher. 

If you are looking to build a one stop relationship as your scale your investing portfolio, The Envy Group will be your best asset.  

Specialties


Conventional & Gov.

Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Refinance (primary home)

Reviews (368)


4.9 stars
368 Reviews
4.9 stars
367 Reviews
5.0 stars
1 Review

reviewer image
5.0 stars
|
2 months ago
Reviewed by Derek Martindale
I’m incredibly grateful for the support from Ryan I. and Nathan F. throughout my loan process. They were responsive, knowledgeable, and always went above and beyond to keep things on track. Their professionalism and attention to detail made the DSCR loan process feel seamless. Highly recommend!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Jeana Pe
My husband and I had the pleasure of working with Nick from One Brokerage on purchasing our 1st STR property. We're people who like to talk through scenarios, strategize the best investment plan and make adjustments as variables change. Nick was always available when we texted to talk, even late in the evening. He was flexible and willing to think outside of the box with us. He was patient, pleasant and communicated clearly to redirect us. We highly recommend Nick!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Ken C
Great pleasure to work with Nick Velez. Excellent communication, reliable and very knowledgeable. Looking forward to working with Nick on future deals.
reviewer image
1.0 star
|
3 months ago
Reviewed by Dominic Franco
They quoted they could beat another lenders rate and terms. When it came to day of closing not only did they not beat it but I was having to pay points to both lenders, them and the one they brokered through which made the total points and fees over double what they quoted. I asked them to do the right thing and honor the original terms quoted but they claimed they couldn't. I'm now having to find alternative funding and explain to the seller why we are not closing today.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Monish Mehta
It was a pleasure working with Kevin and Tyler. They made sure to make us comfortable in our discussions. They were very mindful and the communication about the loan status was great! Would work with again.
reviewer image
5.0 stars
|
7 months ago
Reviewed by Adam Corrigan
He was great to work with and has been very helpful in answering my questions!
reviewer image
5.0 stars
|
7 months ago
Reviewed by Duriel Taylor
I recently worked with Braydin and his team on a residential transaction. At the 15 day mark from the closing date, my client informed me that he decided to go with another lender. This was not an ideal situation so late in the process from a buyer situation standpoint. I was transparent with Braydin about my concerns however he was able to address everything and ensured me he will get us closed in time with no problem. To my surprise, Braydin and his team were able to deliver and flawlessly. I will surely advocate to my clients about him and his team.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Joyce Johnston
Kevin Juarez and Rudy were an outstanding team to assist us with our mortgage needs. They were responsive, communicative, and were very proactive in addressing any issues related to our closing. Highly recommend and will use for all of our future investment purchases.
reviewer image
2.0 stars
|
2 months ago
Reviewed by Kyle Wainwright
Edit: Trying to do a new HELOC/ refinance on a couple properties. Looking to have something done in Dec/Jan. Originally emailed 9/19/24, with response on 9/20/24. I emailed again on 10/3/24 checking in. No response. I emailed again on 10/15/24 to follow up. Response received on 10/16/24. I replied on 10/16/24 that I was wanting to know what information I could start getting them to get things moving. No response. I emailed again on 11/12/24 again asking for an update and if there was any information I could start getting to them. Now 11/22/24 and still no reply...Not sure what the delay is but I am trying to be proactive and have time to get documents gathered and to them and have not been getting timely responses. Today I reached out to a lender directly to start the process and within the day they had a list of documents to get to them. Worked with Allen and Diego on a recent rental home purchase. We asked the sellers for a 45 day close but they would only accept our offer with 30 days. We hit a snag with the first lender over a foundation issue and Allen and Diego were able to quickly present us with multiple other workarounds to get closed in a very short time frame. Great experience all around and would highly recommend them both.
reviewer image
5.0 stars
|
7 months ago
Reviewed by Adam Corrigan
He was great to work with and has been very helpful in answering my questions!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Derek Martindale
I’m incredibly grateful for the support from Ryan I. and Nathan F. throughout my loan process. They were responsive, knowledgeable, and always went above and beyond to keep things on track. Their professionalism and attention to detail made the DSCR loan process feel seamless. Highly recommend!
reviewer image
5.0 stars
|
2 months ago
Reviewed by Jeana Pe
My husband and I had the pleasure of working with Nick from One Brokerage on purchasing our 1st STR property. We're people who like to talk through scenarios, strategize the best investment plan and make adjustments as variables change. Nick was always available when we texted to talk, even late in the evening. He was flexible and willing to think outside of the box with us. He was patient, pleasant and communicated clearly to redirect us. We highly recommend Nick!
reviewer image
5.0 stars
|
3 months ago
Reviewed by Ken C
Great pleasure to work with Nick Velez. Excellent communication, reliable and very knowledgeable. Looking forward to working with Nick on future deals.
reviewer image
1.0 star
|
3 months ago
Reviewed by Dominic Franco
They quoted they could beat another lenders rate and terms. When it came to day of closing not only did they not beat it but I was having to pay points to both lenders, them and the one they brokered through which made the total points and fees over double what they quoted. I asked them to do the right thing and honor the original terms quoted but they claimed they couldn't. I'm now having to find alternative funding and explain to the seller why we are not closing today.
reviewer image
5.0 stars
|
4 months ago
Reviewed by Monish Mehta
It was a pleasure working with Kevin and Tyler. They made sure to make us comfortable in our discussions. They were very mindful and the communication about the loan status was great! Would work with again.
reviewer image
5.0 stars
|
7 months ago
Reviewed by Duriel Taylor
I recently worked with Braydin and his team on a residential transaction. At the 15 day mark from the closing date, my client informed me that he decided to go with another lender. This was not an ideal situation so late in the process from a buyer situation standpoint. I was transparent with Braydin about my concerns however he was able to address everything and ensured me he will get us closed in time with no problem. To my surprise, Braydin and his team were able to deliver and flawlessly. I will surely advocate to my clients about him and his team.
reviewer image
5.0 stars
|
9 months ago
Reviewed by Joyce Johnston
Kevin Juarez and Rudy were an outstanding team to assist us with our mortgage needs. They were responsive, communicative, and were very proactive in addressing any issues related to our closing. Highly recommend and will use for all of our future investment purchases.
reviewer image
2.0 stars
|
2 months ago
Reviewed by Kyle Wainwright
Edit: Trying to do a new HELOC/ refinance on a couple properties. Looking to have something done in Dec/Jan. Originally emailed 9/19/24, with response on 9/20/24. I emailed again on 10/3/24 checking in. No response. I emailed again on 10/15/24 to follow up. Response received on 10/16/24. I replied on 10/16/24 that I was wanting to know what information I could start getting them to get things moving. No response. I emailed again on 11/12/24 again asking for an update and if there was any information I could start getting to them. Now 11/22/24 and still no reply...Not sure what the delay is but I am trying to be proactive and have time to get documents gathered and to them and have not been getting timely responses. Today I reached out to a lender directly to start the process and within the day they had a list of documents to get to them. Worked with Allen and Diego on a recent rental home purchase. We asked the sellers for a 45 day close but they would only accept our offer with 30 days. We hit a snag with the first lender over a foundation issue and Allen and Diego were able to quickly present us with multiple other workarounds to get closed in a very short time frame. Great experience all around and would highly recommend them both.

Our Team


Nick Velez
Lender
Pro Member