Contact Us/Licensing

Nicholas R. Vaccaro

Nicholas R. Vaccaro | Mortgage Banker

858-217-LEND (5363)

NMLS License#: 874820 | DRE License#: 01340265 (Click Here)

BBB for Nick Vaccaro/Vaccaro Consulting (Click Here)

Nick Vaccaro brings over 15 years of business, mortgage lending, and real estate experience to Vaccaro Consulting. He graduated from San Diego State University in 2000 with a degree in Finance. Upon completion, he went to work for a then small mortgage company in Del Mar, CA and helped to grow it to the number two shop in all of San Diego. While the company grew to over 125 loan officers, nationwide, Mr. Vaccaro was the top producer for the company during his tenure there. During this time, he opened a successful mortgage branch in Del Mar, CA, and employed up to 35 individuals

Because of his background in Finance and Mortgages, Nick saw in 2009 a definitive need for a new approach to financial counseling. It is during this period that he obtained his Series 6, Series 63 and other financial Accreditation’s. In 2009 Nick started AFPG. A company designed to help individuals that were struggling due to economic factors. While AFPG was successful, Nick’s passion for the mortgage industry drew him back into the business that he cared for greatly. In late 2011, Nick came back to the industry that he has always been passionate about.  He currently is an independent mortgage broker and direct lender under C2 Financial; California’s largest wholesale lender.

Nick  resides in the Carmel Valley area with his wife, Melissa, Daughter, Kari Kai, and son, Jack.

Stephen Smith

| Business Development Rep | LOA

Office: (858) 218-6232

NMLS License:  1018582


Stephen Smith brings over 9 years of personal financing and mortgage lending experience. He graduated from California State University San Marcos in 2005 with a degree in Human Development. He started working for a small mortgage company in Pacific Beach, CA and worked his way up from the bottom of the company. He was able to learn three important things while working his way up the ladder. Those three things were business ethics, finance and bank lending procedures. In 2006, he started working for Vaccaro Consulting, where he has built a strong working bond with, Nick Vaccaro. Since 2005, he has continued to help his clients qualify for mortgage financing and overall resolution to financial issues.

Originally from Saugus, California, Stephen currently resides in San Diego, where he has lived for the last 12 years.


Art R. Vaccaro | Account Executive

Office: (360) 637-8366

Art Vaccaro brings over 40 years of sales and Real Estate Experience. After a brief retirement, Mr. Vaccaro found himself having too much free time. In 2010, Art came out of retirement, and has been working with his son ever since. Art’s passions are diverse, and he is noted for being an amazing piano player, and has performed as an entertainer for years at locations including Disneyland, Knott’s Berry Farm, The North Woods, Bass Lake, and various locations throughout California.


DRE License: 01046910