# Nikola Spadijer

> Licensed U.S. mortgage loan officer (NMLS #2459410) and wealth strategist with Rate (Guaranteed Rate, Inc. D/B/A Rate, NMLS #2611). Specializes in same-day mortgage pre-approval and Infinite Banking whole-life insurance strategies. Serves clients nationwide across the United States.

## Contact

- **Phone:** (786) 458-3382
- **Email:** nikola.cfn@gmail.com
- **Website:** https://nikolaspadijer.com
- **Availability:** 8 AM – 12 AM daily (Mon–Sun)
- **Instagram:** https://www.instagram.com/yourbestlender/
- **LinkedIn:** https://www.linkedin.com/in/nspadijer/
- **Book a call:** https://calendly.com/financial-freedom-strategy-call

## Credentials

- NMLS Mortgage Loan Officer License #2459410
- Life Insurance Producer License 0215 W943070
- Works for: Rate (Guaranteed Rate, Inc. D/B/A Rate) — Company NMLS #2611

## Services

- **Mortgage Solutions** — FHA, VA, conventional, jumbo, and investment property loans; same-day pre-approval; refinancing; first-time homebuyer programs. Apply: https://www.rate.com/NikolaSpadijer
- **Life Insurance & Annuities** — Whole-life insurance and annuity products for long-term financial security.
- **Infinite Banking (IBC)** — A wealth-building strategy using a properly structured whole-life insurance policy to become your own banker, maintaining liquidity while building cash value. More: https://infinitebankingsolution.io/

## Service Area

Entire United States.

## Frequently Asked Questions

### What is Infinite Banking and how does it work?
Infinite Banking is a financial strategy using a properly structured whole-life insurance policy to create a personal banking system. Instead of borrowing from traditional banks, clients borrow against the policy's cash value, repaying themselves with interest. This builds wealth while preserving liquidity.

### How quickly can I get pre-approved for a mortgage?
Same-day pre-approval is available for qualified applicants. Pre-approval letters are typically delivered within hours of receiving documentation.

### What loan types are available?
FHA, VA, conventional, jumbo, and investment property loans, plus refinancing and first-time homebuyer programs.

### Where does Nikola operate?
Nationwide, across the entire United States.

### How do I schedule a consultation?
Call (786) 458-3382, email nikola.cfn@gmail.com, or book online at https://calendly.com/financial-freedom-strategy-call.

## Reputation

- 5.0 / 5.0 average rating
- 500+ client reviews
- $50M+ in funded loans