Gene DiPaula, Author at NFM Lending

SWEDESBORO, NJ, February 14, 2017 — NFM Lending Branch 239 hosted their second annual Monte Carlo night on Friday, February 3, 2017.

The event was hosted by Branch Managers Jerry Cook and Bill Lex, and attended by over 250 people from the local business community. The night featured casino style table games, an open bar, butlered hors d’oeuvres, and prizes and giveaways, including an iPad and a television. The branch hosts this event to thank their business partners.

“The entire night was our way of thanking our business partners and business community for helping to make us so successful,” said Lex.

NFM Lending 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 Residential Mortgage Lender.™” For more information about NFM Lending, visit www.nfmlending.com, like our Facebook page, or follow us on Twitter.

LINTHICUM, MD, February 1, 2017— NFM Lending is pleased to honor Lea Everette as the NFM Salute for February 2017.

Everette is a Technical Sergeant in the U.S. Air Force. She is an F-22 Avionics Systems Maintainer at Langley Air Force Base in Hampton, VA, and has been a member of the Air Force for nine years. She is a wife and a mother to four daughters and two dogs, and has traveled everywhere from California to Japan during her service.

“It’s been an honor and a privilege to maintain this 5^th Generation Weapons system and serve my country,” said Everette.

“Lea has always strived to do her best, and she has always been a high achiever,” said Davis. “In elementary school, she was one of a few students chosen to attend Space Camp in Florida. I think that was when she decided on an AERO career. But rather than select a NASA career, she decided to join the Air Force and ROTC. She was at the top of her class in leadership school, and before graduation from high school she signed up for the U.S. Air Force (USAF). And it’s been the USAF since. She also is involved with an organization that helps Veterans upon return. She loves ocean fishing too, and has caught some real trophy-size fish!”

NFM Salutes is an initiative in which one military member or Veteran is chosen each month to be honored as the “Salute of the Month.” Salutes are chosen from nominations on the NFM Salute website, www.nfmsalute.com. The “Salute of the Month” will be featured on the website with a brief biography and information about his or her service, and NFM Lending will make a $2,500 donation to a military or Veteran non-profit in the Salute’s name. Everette chose the Gary Sinise Foundation to receive this month’s donation.

Selected NFM Salutes may choose from one of the following four non-profits: Platoon 22, AnySoldier, Soldier’s Wish, and the Gary Sinise Foundation. NFM looks forward to the opportunity to continue to honor military and Veterans through the NFM Salute initiative.

Over the past several months, we have answered the top questions about the top mortgage loan options. Our final blog in this series will answer the top 5 questions about United States Department of Agriculture (USDA) loans. If you are considering buying a home, read on to find out whether a USDA loan might be the right choice for you.

USDA Loans
USDA home loans are insured by the United States Department of Agriculture. This loan program allows low- and moderate- income households to purchase homes in eligible rural areas. Home buyers who do not qualify for a conventional mortgage may be able to purchase a home with a USDA loan.

If you are looking to purchase a home in a rural area, a USDA loan may be the right financing option for you. For more information about USDA loans, please visit the USDA website. If you have more questions about buying a home with a USDA loan, contact one of our licensed Mortgage Loan Originators. If you are ready to begin the home buying process, click here to get started!

*100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable.

LINTHICUM, MD, January 20, 2017— NFM Lending is proud to announce David Silverman, CEO, has been named one of the 100 Most Influential Mortgage Executives in America by Mortgage Executive Magazine for 2016.

Each year, Mortgage Executive Magazine recognizes mortgage executives that have built their companies and serve their clients and employees through service, dedication, and hard work. The winning executives were asked to provide their insights on the most significant opportunities and challenges in the mortgage industry today.

“The biggest challenge is managing the cost to produce, while growing your company and still delivering ‘wow’ service,” said Silverman. “The biggest opportunities depend on your model, but we can all benefit from improved efficiencies in the loan process through automation, and utilizing new technologies to change the way steps in the process flow through the system.”

“Thank you to Mortgage Executive Magazine for including me on this list,” said Silverman. “I am honored to be included with a group that is so focused on making a difference in the industry for our customers, employees, referral partners, and communities.”

NFM Lending has prospered under Silverman’s leadership, and continues to receive national recognition. In 2016 alone, it was named one of the 50 Best Companies to Work For by Mortgage Executive Magazine; one of The Baltimore Sun’s Top Work Places in the Baltimore Area for the fifth year in a row; one of the Washington Post’s Top Work Places in the Washington, D.C. area for the second year in a row; and a Top Mortgage Employer by National Mortgage Professional Magazine for the second year in a row. NFM Lending is proud of each member of its team, and the work they do to make NFM a Top Workplace.

LINTHICUM, MD, January 4, 2017— NFM Lending is proud to announce that it was ranked one of the top 10 on Mortgage Executive Magazine’s 50 Best Companies to Work For list. This is the fourth year in a row that NFM Lending has been honored with this accolade.

Mortgage Executive Magazine conducted an extensive online survey of more than 10,000 Mortgage Loan Originators (MLOs) from over 200 mortgage companies and banks. The survey was limited to licensed MLOs who were presently employed by the companies they were rating. The survey asked participants to rate the company’s culture, loan processing, underwriting, compensation, management, marketing, and technology. The winning selections were based on total MLO votes and average rating score.

“The number one driver of our company is culture,” said Jan Ozga, President of NFM Lending. “Many midsized and larger companies treat their employees as metrics to help achieve company goals. NFM prides itself on being a family with a common purpose, and we spend a significant amount of time and resources building a company culture that keeps the number one focus on the employee. Imagine this: our highest-ranking managers at NFM actually know all the employees by their names. As a result of making a concerted effort to know the people we work with, we have over 400 people watching our bottom line instead of just a few at the top.

If you want to build a successful company that will withstand the test of time and unpredictable market influences, then you need to start by building a great culture. All companies talk culture. Very few live it.”

NFM Lending prides itself on its exceptional culture. The company has an open door policy which allows an open line of communication between management and staff. Employees are encouraged to voice their questions and concerns directly to management, so that they can be addressed promptly and correctly. In addition to a competitive salary and a comprehensive benefits package, NFM Lending loan originators receive ongoing support and assistance from qualified support and operations staff, and opportunities for trips and giveaways.

In addition to this most recent award, NFM Lending has been recognized many times for its exceptional company culture. In 2016 alone, it was named one of The Baltimore Sun’s Top Work Places in the Baltimore Area for the fifth year in a row; one of the Washington Post’s Top Work Places in the Washington, D.C. area for the second year in a row; and a Top Mortgage Employer by National Mortgage Professional Magazine for the second year in a row. NFM Lending is proud of each member of its team, and the work they do to make NFM a Top Workplace.

LINTHICUM, MD, January 3, 2017— NFM Lending is pleased to honor Tom Wycall as the NFM Salute for January 2017.

Wycall served in the Navy from 1965 to 1968, and spent some 20 months offshore during the Vietnam War supporting operations in the Gulf of Tonkin. As a Gunnery Officer, his offshore ship supported shore bombardment, served as a plane guard for aircraft carriers, and as a search and rescue station for downed pilots and servicemen. Wycall worked his way from Ensign to Lieutenant during his 3 and a half years of service and won a Silver Star for writing the operational orders for the Search and Rescue Station located at the 18th Parallel outside of Hanoi.

NFM Salutes is an initiative in which one military member or Veteran is chosen each month to be honored as the “Salute of the Month.” Salutes are chosen from nominations on the NFM Salute website, www.nfmsalute.com. The “Salute of the Month” will be featured on the website with a brief biography and information about his or her service, and NFM Lending will make a $2,500 donation to a military or Veteran non-profit in the Salute’s name. Wycall chose the Gary Sinise Foundation to receive this month’s donation.

COLUMBUS, OH, December 29, 2016 — NFM Lending is pleased to announce the opening of a new branch in Columbus, Ohio, led by Sr. Vice President and Regional Manager for Ohio, Daniel Sa. The branch will focus its lending platform throughout Columbus and the surrounding area. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options.

“I am so honored and excited to announce that we are adding Daniel and his team to the NFM family,” said David Silverman, CEO of NFM Lending. “This is an absolute powerhouse of a team. Daniel has been absolutely exploding in Columbus and has a terrific team that is not only going to grow, but dominate the Columbus and surrounding markets. Daniel is a terrific leader and he cares deeply about his team, clients, and referral partners, and he works diligently and aggressively every day to improve the experience for everyone.”

Sa has over a decade of experience in the mortgage industry. He was named a 2016 Five-Star Mortgage Professional and says he looks forward to continuing to grow with NFM Lending.

“I couldn’t be more excited about the decision to join the NFM family,” said Sa. “The people and operations associated with NFM, along with the strategic plans we have for the future, will provide us with a significant advantage in this highly competitive industry. Our focus on being the best and not the biggest is a clear indication of our commitment to our clients’ best interests, and it provides a path of sustainable growth for our future.”

The branch is currently hiring qualified Loan Originators for full and part-time positions. The branch’s goal is to provide top-notch service, commitment, and dedication to borrowers, ranging from first time homebuyers to seasoned buyers looking for their next home, a second home, or investment properties. Visit the branch page to learn more: http://www.nfmlending.com/OH330.

LINTHICUM, MD, December 5, 2016— NFM Lending is proud to announce that it was named a Top Workplace in the Baltimore area by The Baltimore Sun. This is the fifth year in a row that NFM Lending has received this honor.

Each year, The Baltimore Sun distributes a survey to employees of Baltimore area workplaces. The survey analyzes the job satisfaction and engagement of the employees along with the values and organizational health of the company.

“It inspires me that we are able to consistently remain on this list,” said Bob Tyson, COO/CAO. “I view this as a true testament to the culture we work so hard to grow and nourish every day.”

NFM Lending prides itself on its exceptional culture. The company’s executive team has an open door policy, which allows a clear line of communication between management and staff. Employees are encouraged to voice their questions and concerns directly to management so that they can be addressed promptly and correctly. Managers often surprise staff members for their birthdays, and the company holds contests, holiday celebrations, health fairs, and other initiatives to show employees their appreciation.

In addition to this most recent award, NFM Lending has been recognized many times for its exceptional company culture. In 2016, it was named one of the Washington Post’s Top Work Places in the Washington, D.C. area for the second year in a row, a Top Mortgage Employer by National Mortgage Professional Magazine, and one of Mortgage Executive Magazine’s Top 50 Best Companies to Work For for the second year in a row. NFM Lending is proud of each member of its team and the work they do to make NFM a Top Workplace.

LINTHICUM, MD, December 1, 2016— NFM Lending is pleased to honor Master Sergeant Joseph Bluver, Ret. as the NFM Salute for December 2016

Joseph joined the Illinois Air National Guard in 1984 at the age of 17. After graduating in 1985, he left for Lakeland Air Force Base (AFB) in San Antonio. While attending technical school training at Lowry AFB in Denver, he studied Air Force food service. During his first assignment with the 126^th Air Refueling Wing Services Flight, he began his career as an apprentice Cook, advancing quickly through the ranks to hold positions such as Senior Cook, Supervisor, and Food Production Manager.

In 1991, during Operation Desert Storm, Bluver was put on active duty, and stationed at Grissom Air Force Base in Indiana. He left the Illinois National Guard after 16 years and joined the Air Force Reserves. In 2000, he transferred to the Air Force Reserves 440^th Services Flight in Milwaukee. In 2003, during Operation Iraqi Freedom, Bluver was once again placed on active duty. He was stationed in North Dakota at Grand Forks Air Force Base attached to the 319^th Services Squadron, where he was the assigned Safety and Training Manager in areas such as lodging, base gym, and the dining hall. Bluver retired from the Air Force Reserves in 2004 after more than 20 years of service. Bluver was nominated by his wife, Terri Landey-Bluver whom he married in 1999. They live with their two sons in Lake in the Hills, Illinois.

“There isn’t anything Joe wouldn’t do for you,” said Landey-Bluver. “He would give you the shirt off his back if you asked him for it. He was always there for his servicemen. He would always go beyond on his duties. He was always the first to volunteer to go on a deployment, whether it was stateside or overseas. It was hard once we had children, but he was up for the challenge and continued his service for several years once we had kids. Joe is very committed to everything he does, and does it very well.”

NFM Salutes is an initiative in which one military member or Veteran is chosen each month to be honored as the “Salute of the Month.” Salutes are chosen from nominations on the NFM Salute website, www.nfmsalute.com. The “Salute of the Month” will be featured on the website with a brief biography and information about his or her service, and NFM Lending will make a $2,500 donation to a military or Veteran non-profit in the Salute’s name. Bluver chose Platoon 22 to receive this month’s donation.

Recently, we answered the Top Five Questions About Jumbo Loans. This week, we will discuss VA loans. If you or your spouse is a Veteran or serving in the military and planning to purchase a home soon, these tips will help you decide whether a VA loan is right for you.

The Veterans Affairs (VA) loan program was introduced by the Servicemen’s Readjustment Act, also known as the GI Bill of Rights. These loans are insured by the United States Department of Veteran Affairs, and were designed to provide Veterans and service members with a federally guaranteed home loan with little or no down payment, so that they and their families can take part in the American Dream of homeownership.

Veterans and active duty service members are eligible for the VA loan program. The surviving unmarried spouse of a deceased Veteran may also be eligible for a VA loan. More information about eligibility for VA loans can be found on the VA website.

VA loan limits are the amount a qualified Veteran or active duty service member with full entitlement may be able to borrow without making a down payment. How much you can borrow with a VA loan will depend on your lender and the county you are buying your home in. The basic entitlement available to each eligible Veteran or active duty service member is $36,000; lenders will typically lend up to 4 times a Veteran’s available entitlement, if the Veteran’s income and credit qualify.

VA loans will finance up to 100% of your home purchase, meaning that you may be able to purchase a home with no down payment.

Most Veterans purchasing a home with a VA loan will be required to pay a VA funding fee. The purpose of this fee is to reduce the cost of the loan to taxpayers, as the VA loan requires no down payment and often no private mortgage insurance (PMI). The amount of the funding fee depends on the loan amount, loan type, and your military category. Some VA home buyers are exempt from having to pay the VA funding fee.

VA loans offer no down payment requirement (for qualifying consumers) and often do not require PMI. Additionally, Cash Out Refinance loans allow you to take out up to 95% of the appraised value of your home as determined by VA. Some states also offer additional resources to Veteran homeowners, such as property tax reductions.

If you are a Veteran or active duty service member, you may be able to take advantage of the benefits offered by the VA loan program. For more information about VA loans, please visit the VA website. If you have more questions about buying a home with a VA loan, contact one of our licensed Mortgage Loan Originators. If you are ready to begin the home buying process, click here to get started!

*100% financing is available, sales price cannot exceed the appraised value. ** Veterans Affairs loans require a 1^st time funding fee, which is based on various loan characteristics, your actual loan amount may be higher than the purchase price.

CCPA Request

CPA FORM

First Name*
Last Name*
Address*
City*
State*
Zip*
Loan Number or last 4 digits of the Social Security Number*
Email*
Telephone Number*
Please re-enter the CAPTCHA code below

Contact Page

Name*
First Last
Email*
Phone Number*
Select what you are contacting us about:*
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.
Property Location
FHA Case Number*
New Lender's Originator ID*
Subject Property Address*
City*
State*
Zip*
New Borrower to subject property or Borrower and Property are the same?*
- New Borrower
- Same
Message
CAPTCHA
Comments
This field is for validation purposes and should be left unchanged.

Contact Me

First Name*
Last Name*
Phone Number*
Email Address*
Property State*
Loan Purpose*
How did you hear about us?
First and last name of referral source (if applicable)
Please type the characters below
Consent
- I agree to receive SMS Text Messages at the above phone number from NFM Lending for follow up purposes for banking products. Message and data rates may apply. Message frequency varies. Text HELP for help. Text STOP to cancel.
Comments
This field is for validation purposes and should be left unchanged.