Home ownership is the great American dream... financing it shouldn't be a nightmare. Nicholas Bilbo is a dedicated mortgage professional with experience in all types of loan programs. Whether you are a first time homebuyer or are refinancing your home, Nicholas is ready, willing, and able to guide you through the loan process with unparalleled customer service. You'll see why Nicholas's customers are customers for life. Thank you for choosing Regions Mortgage and Nicholas Bilbo to assist you with your mortgage lending needs.