Gene DiPaula, Author at NFM Lending

NFM Lending is currently holding its annual food drive at its corporate and retail branch locations throughout the U.S. From June 1-30, 2015, NFM Lending employees and their friends and family members will bring in canned goods and other non-perishable food items into their local NFM Lending location. Donations collected in Maryland will go to the Maryland Food Bank, while donations collected outside of Maryland will go to local area food banks.

NFM Lending’s food drive is open to the public. If you are interested in participating, please visit our website, http://www.nfmlending.com/find-a-branch to locate a branch near you. The following items were listed on the Maryland Food Bank’s “Most Needed Items” list:

FRUITS & VEGETABLES
Canned vegetables (low sodium, no salt added)
Fruits & juices (light syrup)
Fruit cocktail
Apple sauce

SOUPS & STEWS
(Low sodium)
Beef stew
Chili
Chicken noodle
Vegetable
Turkey & rice

NON-FOOD ITEMS
Diapers
Toilet Paper
Plastic/Paper plates and cups
Sanitary napkins and tampons

LINTHICUM, MD, May 29, 2015 — NFM Lending is pleased to welcome Roger Dennis to the NFM Lending family. Dennis will operate out of NFM Lending’s Corporate Office, located at 505 Progress Drive, Suite 100, in Linthicum, MD.

Dennis has more than 13 years of experience in the lending, real estate, and construction industries in the Washington, D.C. area. He plans to continue to focus on this area, offering Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options. Dennis looks forward to further growth with NFM Lending, while continuing to provide unparalleled customer service and responsiveness.

“I am very excited to be part of the NFM team,” said Dennis. “NFM has an outstanding reputation, both locally and nationwide, for its commitment to the community and its excellence in lending. By working with my team, my clients understand that they are working with one of the best lenders in the industry, and that they have the competitive advantage in the Washington, D.C. metro market.”

Dennis is currently growing his team and is actively recruiting qualified Mortgage Loan Originators, for both full and part-time positions. Their team goal is to continue to provide the highest level of commitment and dedication to every borrower, ranging from first time homebuyers to seasoned buyers looking for second homes or investment properties. Visit his web page to learn more: https://nfmlending.com/rdennis.

NFM Lending (formerly NFM, Inc.) is a mortgage lending company currently licensed in 29 states across the country. The company was founded in Baltimore, Maryland in 1998. NFM attributes its success in the mortgage industry to a steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender.”

Rowe attended the conference in order to prepare and educate the NFM Lending staff and their clients for the latest mortgage industry changes.

“I am very excited to attend this conference,” said Rowe. “The TILA-RESPA disclosure changes are the most significant our industry has experienced in decades. This is evident by the attendance in Chicago, which exceeds over 1,000 legal and compliance professionals. I look forward to implementing further changes at NFM Lending and utilizing the information from this critical event to do so.”

The Legal Issues and Regulatory Compliance Conference is “the preeminent gathering of industry leaders to consider it all, including best practices, organizational changes needed to assimilate to final rules and knowledge to educate staff,” according to the MBA website. In addition to sessions on TRID, the event will also features sessions on the Home Mortgage Disclosure Act (HMDA), Fair Lending, Ability to Repay, Secondary Market, Social Media, Ethics, and many other topics.

NFM Lending looks forward to continuing to prepare for the upcoming TRID changes and educating their team and their clients about this and other industry changes.

NFM Lending is a mortgage lending company currently licensed in 29 states across the United States. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to their customers and their community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender.”

LINTHICUM, MD, May 4, 2015 — Elysia Stobbe, a NFM Lending Branch Manager in Jacksonville, FL, spoke at Harvard University as part of a panel of female entrepreneurs on Thursday, April 30, 2015.

The panel, called “The Mindset of Success” is a free event hosted by the Harvard Extension Wellness Club, an organization “dedicated to promoting optimal living at Harvard.” Each event features several professionals sharing ideas and advice based on their own careers. This event featured four female professionals who talked about their strategies for achieving entrepreneurial success.

“I was honored to be invited to speak at Harvard University,” said Stobbe. “It was a thrill to be among an outstanding group of female entrepreneurs who shared ‘secrets of success.’”

“I have had the pleasure of working with Elysia for over a decade, so I feel qualified to remark that she’s a true professional in every sense of the word,” said Greg Sher, Vice President of Business Development. “She cares deeply, works tirelessly and takes great pride in being well informed. As wonderful as she is now, I know that her best is yet to come.”

INTHICUM, MD, April 27, 2015 — NFM Lending congratulates Jane Floyd, a Branch Manager in Tampa, FL, for earning two rankings on the Scotsman Guide’s 2014 Top Originators lists.

“I, along with all of our NFM family, would like to congratulate Jane and her team on her outstanding numbers and her current ranking amongst her peers in both volume and units,” said David Silverman, CEO of NFM Lending. “Jane is a phenomenal time manager, as she juggles being a top performer with coaching and still putting her relationships and family first.”

Each year, the Scotsman Guide recognizes top producing mortgage loan originators throughout the United States. Originators can be ranked in any of the ten categories, including Top Dollar Volume, Most Loans Closed, and Top Purchase Volume, among others. Floyd was ranked in both the Top Dollar Volume category as well as Most Loans Closed. She ranked #172 of 300 in the Top Dollar Volume category, and #82 of 150 in the Most Loans Closed category.

“It’s only a matter of time that Jane Floyd will break the top ten of all Loan Originators nationwide,’ said Jan Ozga, President of NFM Lending. “Jane is the gold standard in the mortgage industry, and there are very few people that come close to matching her energy.”

Over 1,000 Originators from across the nation were considered for this year’s rankings. To be considered for the rankings, entrants must have either had at least $30 million in loan volume, or closed 100 home loans in the 2014 calendar year. Floyd had over $65 million in loan volume, and closed 302 loans in 2014.

“I am so grateful to be ranked in the Scotsman guide,” said Floyd. “It’s an amazing feeling to know we helped that many families achieve the dream of home ownership. I could not have done it without such an amazing company behind me.”

NFM Lending is proud of Floyd’s accomplishments and wishes her continued success.

LINTHICUM, MD, April 27, 2015 — NFM Lending, recognized as a 2015 Top Mortgage Employer by National Mortgage Professional Magazine, is currently hiring for sales positions at its retail branch locations in the Midwest region, and throughout the Unites States.

The company has experienced unprecedented growth over the last year, opening new branches in Las Vegas, NV; Hendersonville, TN; Palm Harbor and Jacksonville, FL; Zionsville, IN; and Gaithersburg, MD, in the last six months. After recent licensing approval in the state of Wisconsin, NFM Lending is now licensed in 29 states and has 31 locations throughout the United States.

“NFM doesn’t focus on being the biggest in the mortgage industry—we focus on being the best,” said Jan Ozga, President. “As a result of our commitment to delivering platinum-level service, our volume has doubled in recent years. NFM Lending does not believe in using hokey marketing campaigns or niche products to take us to the next level. We believe the way for continued growth is by providing exceptional service to both our clients and our employees, and in return, word of mouth will move us forward.”

In addition to its national expansion, NFM Lending has received several awards and recognitions already this year. In January, NFM Lending was named a 2015 Top Mortgage Employer by National Mortgage Professional Magazine. NFM Lending was also named a Top Work Place in the greater Baltimore region in 2012, 2013, and 2014 by The Baltimore Sun.

NFM Lending is hiring Branch Managers, Loan Originators, Processors, and Administrative Staff at many of its retail branches throughout the United States. Interested candidates should visit www.applynfm.com to apply.

Increasing your home’s energy efficiency offers a lot of benefits: lower energy bills, lower environmental impact, and even increased home value. This Earth Day consider some of these energy-saving tips for your home that will save you money and reduce your environmental footprint.

According to the U.S. Department of Energy, the average household spends about 5% of its energy budget on lighting. If you haven’t switched to CFL or LED light bulbs yet, now is the time to do it. These bulbs use 75-80% less energy than incandescent light bulbs. Energy-efficient light bulbs will pay for themselves over time, and you won’t have to sacrifice brightness or light quality.

Homeowners in the U.S. spend about $11 billion every year on home cooling. By switching to a high efficiency air conditioner, you can cut your air conditioning energy use by 20-50%! If a new air conditioner isn’t in the budget this year, make sure to properly maintain your current one. Check your air filters once a month and replace them as needed. If you have central air conditioning, remember to inspect your ductwork and make sure it’s properly sealed and connected. Click here for more energy-saving air conditioning tips.

Appliances such as refrigerators, stoves, and washing machines make up about 13% of your energy costs. Check your refrigerator’s temperatures. The recommended temperature for your refrigerator is around 35°-38° F. The recommended temperature for your freezer is 0° F. Also, washing your clothes in cold water can save on water heating costs. Make sure your dishwasher and washing machine are full before you turn them on, to avoid wasting water. Click here for more tips on using your household appliances efficiently.

Reducing your home’s energy use will help you save money on your heating, water, and electricity bills. It can also help you get more money for your house when it’s time to sell. Homes with energy efficient features have resale values about 9% higher than similar homes without these features. If you’re interested in moving or refinancing soon, talk to one of our licensed Loan Originators today to get started.

LINTHICUM, MD, April 15, 2015 — NFM Lending is proud to have sponsored and participated in the annual Red Shoe Shuffle for the fourth consecutive year on Sunday, April 12, 2015. The Red Shoe Shuffle is a 5K race around downtown Baltimore to benefit the Ronald McDonald House Charities of Baltimore (RMHCB).

In addition to sponsoring the event, a group of NFM Lending staff members and their families participated in the event, either as “Shufflers,” or as volunteers. Bernadette Pearson, HR Director, was a volunteer at the event. Pearson has been involved with the Red Shoe Crew since 2011, and has been part of the Shuffle since the first event in 2012.

“The Ronald McDonald House of Baltimore holds a special place for many of NFM’s employees,” said Pearson. “We are honored that we are able to be part of this fun and meaningful event, and to support such an amazing organization.”

Race participants wore red and white striped socks, similar to Ronald McDonald’s, as well as red necklaces, tutus, wigs, and other accessories to show their spirit. Race volunteers and families stationed throughout the race held signs of encouragement, and cheered on Shufflers. Often, children who have stayed or are currently staying at the Ronald McDonald House with their families attend the race. Families travel from all over the U.S. to participate in the Shuffle. Children, young adults, and parents who have participated in past Red Shoe Shuffles shared their triumphant finish line stories on the Red Shoe Shuffle website.

The race began in front of the Ronald McDonald House at 635 West Lexington Street in Baltimore. The 3.1 mile trail took Shuffle participants throughout the city, including through the Inner Harbor. At the finish line, sponsors set up booths with giveaways and activities for runners. In total, the event had 2,500 participants, over 200 volunteers, and raised a total of $345,000.

NFM Lending is proud to support the Ronald McDonald House Charities of Baltimore, and is thankful to have had the opportunity to be a part of this extraordinary event.

About NFM Lending
NFM Lending (formerly NFM, Inc.) is a mortgage lending company currently licensed in 29 states across the United States. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to their customers and their community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender.”

About the Ronald McDonald House Charities of Baltimore
The Ronald McDonald House Charities is an international nonprofit that provide housing to families of seriously ill children while they undergo hospital treatment. The Baltimore chapter is located near many of the area’s hospitals, including Johns Hopkins, the Kennedy Krieger Institute, and more. The Baltimore chapter has housed over 35,000 families since it opened its doors in 1982.

Now that tax season is over, you may be wondering what to do with your tax return. A great way to put your tax return to good use is to invest in home renovations that you may have been putting off. Here are several ways you can get the most out of your tax return and home renovation projects.

Preventative Maintenance
If your house has any safety hazards, address these first. Check your home for anything that could lead to a falling accident, such as broken handrails or cracked walkways. Test your electrical outlets, check your gutters and downspouts, and look for any wear and tear on your water pipes in the kitchen, bathrooms, and laundry room. If you haven’t inspected your roof recently, consider having an inspection done. It costs a few hundred dollars, and can save you thousands in repairs later on.

Renovations under $500
If you’re looking to keep your expenses under $500, consider some of these inexpensive home renovations.

Renovations under $1,000
If you have a $1,000 budget, try these home renovations.

Renovations under $2,500
If you’re looking for a more dramatic change, check out some of these renovations under $2,500.

Spring isn’t just a great time for spring cleaning, but a great time to update and renovate your house. This is especially a good idea if you’re planning to put your house on the market soon. If you’re looking to move or refinance your current home, talk to one of our licensed loan originators today to get started.

LINTHICUM, MD., April 13, 2015 — NFM Lending is pleased to announce they are now licensed to lend in the state of Wisconsin. After recent approval by the State of Wisconsin, the residential mortgage lending company is currently licensed in 29 states across the country.

“Wisconsin has some of the hardest working people in the United States,” said Gregory Sher, Vice President Business Development. “The Badger State also boasts breathtaking scenery. We look forward to serving the people of Wisconsin by marrying our largest commonality: dependability and hard work.”

NFM Lending started as a small brokerage shop with 4 loan officers, and is now a multi-state lender with more than 300 employees and 41 operating branches. NFM Lending has been listed as one of the “Top 100 Mortgage Companies in America” and one of “The 50 Best Companies to Work for in America 2013” by Mortgage Executive Magazine. It was also ranked a “Top Mortgage Lender” by the Scotsman Guide in 2013, named a “Top Work Place in Baltimore” by The Baltimore Sun three years in a row, and has received many other awards and recognitions.

“We are excited to expand NFM Lending’s Midwest presence in the State of Wisconsin,” said Jason Ponsonby, Director of Sales. “NFM Lending’s sales-driven culture and high level of service combined with expansive product options brings additional opportunities for homeownership in the Midwest.”

NFM Lending (formerly NFM, Inc.) is a mortgage lending company currently licensed in 29 states in the U.S. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Lender.”

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All FHA Case Transfer Requests must be sent in writing via email to: FHAINFO@nfmlending.com. The request must include the FHA Case number, the new lender’s Origination ID or Sponsor ID, the full subject property address, and a letter signed and dated by the borrower expressing desire for the transfer.
Request for payoff should be submitted to the current servicer of the loan:
If your loan is being serviced by the NFM Lake Zurich Servicing Center, please call 1-866-352-6802 to request a payoff. You can also request a payoff via the online borrower portal, if you are a registered user on the portal.
If your loan is being serviced by the NFM Lending Linthicum Maryland Office, you may submit the request to Servicing@nfmlending.com or call 1-866-765-1827.
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