Company Info

Every day, we go to work hoping to do one thing: close the gap between big financial decisions and the fear that surrounds them. Since 1991, that has been our mission, and it's still true today.

Back then, Gapital was only a thought in the mind of a future generation. However, Tacy Nichols (co-founder) entered the mortgage industry because of her own terrifying experience.

After moving her new family to California, she was notified that her mortgage application was declined. She didn't know exactly what to do, but she did know--even as a consumer--that her family did not deserve to deal with the repercussions of someone not fighting for her. To her it didn't make sense that she was not approved for a loan that she could very well pay, so she went to work, finding a mortgage pro that could explain to her what was going on.

Long story short, she found someone who helped her fix the problem and quickly became fascinated with the process. It wasn't the numbers or the regulations; it was the puzzle--the challenge of finding a way for a deserving client to realize their goals of buying real estate.

Twenty-one years later, in 2012, her son, Cody, joined the mortgage industry as well but for much different reasons. With only a semester left to graduate with a Bachelor's Degree in Health Science, he decided to drop out of school, forego a medical career and pursue mortgage origination. After 3 months, he was the head of a major national division for one of the largest companies in the country. Working with such a broad spectrum of clients gave him quick insight into the pros and cons of the industry and led him to visualize a much different future after only a short time in the business. It was then that Tacy and Cody joined forces.

In early 2013, the Nichols Team was born and quickly grew to one of the top mortgage teams in Southern California. Now, years later, the brand has evolved, the product has grown and the people have expanded. 

From the beginning, Gapital founders, Tacy and Cody, set out to create a difference. They wanted to build an environment that promoted knowledge, creativity and vision. It has never been about the numbers. It has been about the bringing people together, encouraging the human spirit and helping people accomplish the things that allow them to do that better, every day.

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Tacy Nichols



Tacy Nichols, CFO

Tacy has been in the mortgage industry since 1991 and grew her business with some of the largest lenders in the country, earning several accolades for being among the nation's top originators. Over the last several years, she hopped from company to company as they each went bankrupt, helping her clients re-build what the recession of 2008 destroyed.

"I have always been committed to my clients. Although there was a lot of money to be made, I just never felt enticed to put people in a loan they couldn't afford. For a long time, it was just way too easy to get a home. People could lie on their applications, and the banks just didn't do any verification. Luckily, most of my clients never asked me to do anything crazy."