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Picture of Nick Edgerly
Picture of Nick Edgerly

Hi, I'm Nick!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Hi, I'm Nick!

Senior Loan Officer

I will work hard to help you achieve your homeownership goals.

100.00% Customer Satisfaction Rating
Scotsman Guide Top Lenders Award

Let me help you get pre-approved today!

“Nick is as if Mr. Rogers was a Marine.” – John Fitzwater, Weichert Ford Brothers  
Hello there – I’m Nick! I feel that it’s important to get to know the person you’re working with, so here’s a little about me. To start, you should know the nicknames (no pun intended) that have been given to me by my clients and referral partners. I am honored that they have given me the names “Saint Nick” and “Nick the Quick;” and, in time, I hope to add to that list.  


I am originally from Southern California, where I lived until the great recession, when the job market became increasingly more challenging. There, I witnessed the mortgage industry collapse firsthand while working at a large mortgage processing center which shut down overnight. I take that experience as a reminder of not only how far we’ve come as an industry, but also to strive to protect the best interests of my clients. Ultimately, I decided that $500,000 starter homes and $5-per-gallon gas wasn’t for me, and it was time for me to see the world. That’s when I joined the Marines in 2006, an experience that has shaped much of who I am today. I’ve been fortunate enough to have experienced and lived in various parts of the United States – and the world – but happily settled on central Kentucky to plant my roots and call home in 2013.
 

Dainel Boone once said, “Heaven must be a Kentucky type of place.” The natural beauty of our state, combined with the diverse opportunities, make for a community that I’m proud to be a part of. I’m fortunate to have started a family in Lexington and to have my children grow in a safe and fun community. On weekend nights, you can usually find us at a local restaurant. With so many great options in Lexington, we enjoy trying them all. Goodfellas Pizzeria is a family favorite.  


My passion is to help clients from all walks of life. I strive to be curious and learn about each client’s background, career, and goals. Doing so has even made me a better Loan Officer.  I decided to become a Loan Officer because I had a subpar experience in purchasing my first home – and I felt that the process could be much better. I’m so very grateful for the clients I’ve had the opportunity to help over the years.


I also strive to make sure my clients stay informed of the industry so they can continue to make educated decisions. That’s why I launched my podcast, “Lex Talk Real Estate,” where I discuss the real estate market with industry leaders. Feel free to give it a listen on Spotify, Apple Podcasts, or anywhere else you get your podcasts.


Thank you for taking the time to learn more about me. I would love to meet you and learn about your story as well. Contact me today and let me know how I can help you begin your journey into homeownership. 

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Hear from people like you

  • Review 1

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    Very knowledgeable and helpful throughout the entire process.

    Anthony Weston B.

    Russell Springs, KY, April 25th, 2025 11:09 AM

  • Review 2

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    Nick was very helpful through the entire process and was always quick to respond to any questions we had along the way. He did a great job!

    Shelby Joseph P.

    LOUISVILLE, KY, March 23rd, 2025 11:03 AM

  • Review 3

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    He made everything easy and I didn't have to worry about anything he was on top of everything.

    Christian D. W.

    Somerset, KY, March 23rd, 2025 11:19 AM

  • Review 4

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    Nick is awesome! He definitely went above and beyond for us. I can't say enough about his character and work ethic, always there to answer any questions big or small. Definitely our loan officer for life.

    John Paul M.

    Shepherdsville, KY, March 7th, 2025 12:10 PM

  • Review 5

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    As a Realtor, I am discerning of lenders to recommend to my clients. Nick is top on my list because he responds quickly, is highly informative, fully transparent, and works in the best interest of my clients.

    Andy B.

    Harrodsburg, KY, March 12th, 2022 12:33 PM

  • Review 6

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    The hard work to move forward every step of the way!

    Zachary Andrew C.

    Richmond, KY, February 21st, 2022 11:23 AM

  • Review 7

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    Nick is very prompt on answering my questions through every detail of this process. With every email he would send, he would also call to ensure that I understand the details of the documentations. He would never hesitate to walk me through documents. Nick is very knowledgeable. Throughout the process I had so many questions that Nick ensured that he explained them thoroughly - it really helps to have someone this knowledgeable because you know what to expect on every step that way nothing catches you as the buyer off guard. He is very honest on cost calculations, on documents you need to provide, and general application - at no point did I feel like something was happening without my knowing or my input. He hits home with being a cool guy. This was my first home purchase. I came into this process as very naive and did not know the terminology nor anticipated for the all the costs that go into purchasing. Nick was very patient with me and willing to talk to me on finances, costs, and as we got deeper and deeper into this process I no longer saw him as simply a mortgage lender but as a friend. From this process I am very grateful because not only have I got a good deal but also a friend.

    Xhafer R.

    Winchester, KY, February 24th, 2022 11:33 AM

  • Review 8

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    We were kept informed at every step of the process.

    Debbie J.

    Winchester, KY, February 16th, 2022 09:48 AM

  • Review 9

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    Great Communication, I knew the status of the loan and did not have to worry about a timely closing. We would have actually closed much faster than anticipated, but buyer was out of town. Very pleased with the turnaround time!

    Jonathan S.

    Winchester, KY, February 16th, 2022 09:05 AM

  • Review 10

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    Nick was communicated well during the transaction period.

    Julie M T.

    Lexington, KY, November 2nd, 2021 12:17 PM

  • Review 11

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    Nick is very professional and knowledgeable. Always gets back to you in a timely manner, and has answers to to any questions or concerns you may have. Overall he is friendly and made it a very easy experience.

    Brandy Wine R.

    Georgetown, KY, October 16th, 2021 04:58 PM

  • Review 12

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    Made every run smoothly even when we were down to the wire. Highly recommend Nick!!

    Shannon Rene D.

    Cynthiana, KY, October 2nd, 2021 11:52 AM

  • Review 13

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    The help with questions and just getting it done so quickly when we hit some road bumps.

    Jesse Raymond S.

    Cynthiana, KY, October 10th, 2021 11:03 AM

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Why should you choose Ruoff?

60

Branches throughout
the US.

98.4%

Customer Satisfaction Score.*

15

Days or less average
clear-to-close.**

41

Years of helping
homeowners like you.

7

Milestones updating you throughout the process.

10

Minutes at the closing
table on average.

*Based on 2024 independent third party customer satisfaction survey data. This is not an offer for extension of credit or a commitment to lend. All loans must satisfy company underwriting guidelines. Information and interest rate are subject to change at any time and without notice. Equal Housing Lender. NMLS #141868. Ruoff Mortgage Company, Inc. is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

** The average Clear to Close time is dependent on loan type, proper documentation, and other qualifying factors. Loan decision is subject to satisfactory appraisal, title review, and no change to financial condition. This is not an offer for extension of credit or a commitment to lend. Some restrictions may apply. Ruoff Mortgage NMLS #141868. Equal Housing Lender. Ruoff Mortgage Company, Inc. d/b/a Ruoff Mortgage is an Indiana corporation. For complete licensing information visit: http://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/141868.

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