Kelsey Trumbull, Author at NFM Lending

LINTHICUM, MD, June 7, 2018 — NFM Lending is proud to announce they ranked in the Top Mortgage Lenders 2017 by Scotsman Guide.

Each year, Scotsman Guide compiles a list of the nation’s top-producing mortgage companies and publicly traded banks by their total yearly mortgage volume. According to their website, “Top Mortgage Lenders is the mortgage industry’s most comprehensive, most intensely verified list of its kind.” NFM Lending had an overall mortgage volume of $1,518,339,275 and closed 6,304 loans.

“I am excited about NFM’s growth momentum,” said David Silverman, CEO of NFM Lending. “For the first time since 2013 we made the list of top 75 retail mortgage origination companies by the Scotsman Guide. We expect to double our volume over the next 12-18 months.”

NFM Lending has also been recognized in the Top 100 Mortgage Companies in America in by Mortgage Executive Magazine the last three years, as well as one of the 50 Best Companies to Work For. This last year alone they’ve been recognized as a Top Work Place by both the Washington Post and the Baltimore Sun, in addition to being named a Top Mortgage Employer by National Mortgage Professional Magazine for the third consecutive year. NFM Lending is proud of these accomplishments and looks forward to another successful year.

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 and this year is celebrating its 20^th Anniversary. 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, June 1, 2018— NFM Lending is pleased to honor Major Bruce P. Person, USA, Retired, as the NFM Salute for June 2018.

MAJ Person was born and raised in Quincy, Massachusetts. At 21 years old, he voluntarily joined the Army in 1964, knowing his number would soon be called in the draft. This allowed him to somewhat direct his future and not be assigned to infantry. MAJ Person enlisted in Army intelligence and was surprised three years later when he was commissioned as a second lieutenant in the infantry. He became an Airborne Ranger Special Forces officer with secondary specialty of military intelligence. He proudly served almost five years with Special Forces units, including the 7^th Special Forces Group Airborne (SFGA), 1^st SFGA, 5^th SFGA (MACVSOG) and Joint Casualty Resolution Center, as “A” Team Commander, Senior Advisor Vietnamese Paramilitary Force and Team Leader Recovery Operations.

MAJ Person underwent extensive cultural language training for targeted operational areas. His expertise with the Vietnamese language enabled him to accomplish many tasks assigned to him, especially briefing the Vietnamese staff every morning in their language. The ability to communicate with Vietnamese civilians, North Vietnamese, and Viet Cong soldiers was a game changer. MAJ Person served two tours in Vietnam; one conventional and one unconventional. The first tour he was diverted to the 23^rd Infantry Division and took command of the Delta Company, 4/31^st Infantry, 196^th Light Infantry Brigade. The second tour in Vietnam he went back to Special Forces where he served as Senior Advisor to a paramilitary battalion of Montagnards. The missions were to rescue Military Assistance Command, Vietnam – Studies and Observations Group (MACVSOG) cross border Recon Teams and Special Forces/Ranger Camps that were in trouble and needed quick reaction forces. His last Special Forces assignment was as an original recover team leader with the Joint Casualty Resolution Center (NKP) Royal Thai Airbase, Thailand where he helped to develop crash/gravesite recovery operations. MAJ Person’s team was on the very first mission back into Vietnam after the cease fire in 1973, to recover remains of U.S. personnel. His Special Forces training contributed tremendously to his success as a combat commander and unconventional operative.

MAJ Person served over 20 years in the U.S. Army before retiring as a Major, including five years in Southeast Asia; stationed in Korea, Okinawa, Vietnam, and Thailand. After transitioning from military life, he went on to become a He works as a retired mortgage originator and realtor, assisting his wife, Denise, with her real estate business He works as a retired mortgage originator and realtor, assisting his wife, Denise, with her real estate business. He is an active member of several organizations, including the American Legion Post 60, ALR Post 60, VFW Post 5637, Special Forces Association, 196^th LIB Association, and 31^st Infantry Association.

MAJ Person lives in Silver Spring, Maryland with his wife and their dog, Daisey.

MAJ Person was nominated by his friend, Nick Mautino, sales manager at NFM Lending.

“Bruce’s dedication to our country and his clients is second to none. He is always involved in volunteering to various military charities and motorcycle rides. Every time I see him I hear a new, remarkable story. I could sit and talk with him for hours. It’s no wonder why his clients love him so much. I nominated Bruce for the NFM Salute because of his past heroics in the military and his ongoing dedication to past and current Veterans. [He is] one of a kind and I’m honored to have met him and call him a friend.”

NFM Salute 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 $1,000 donation to a military or Veteran non-profit in the Salute’s name. MAJ Person chose the Gary Sinise Foundation to receive this month’s donation.

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

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 and this year is celebrating its 20th anniversary. 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.

While landscaping can seem daunting, planning the design of your backyard should be fun! The possibilities are endless—whether you are looking for major overhaul or something simple. Let these backyard landscaping ideas get you inspired.

Your backyard should be an extension of your home. Creating a functional area for you, your family, and your guests to enjoy will also increase the appeal of your home later down the road when it comes time to sell. Let these ideas inspire you to create the backyard of your dreams.

LINTHICUM, MD, May 15, 2018— NFM Lending is proud to be the returning Presenting Sponsor for the third annual Stride and Thrive 5k and 1-mile run/walk on May 20, 2018. This event will benefit the Kelly Gynecologic Oncology Service in the Johns Hopkins Department of Gynecology & Obstetrics. This will be NFM Lending’s third year sponsoring the event.

The Stride and Thrive will take place at Homewood Field at Johns Hopkins University. Over 1,000 participants are expected to attend. The event is run by an all-volunteer staff, and all proceeds will support life-saving gynecologic cancer research, cancer survivors, and women undergoing cancer treatment. According to their website, “Every 5 minutes, a woman in the U.S. is diagnosed with a ‘below the belt’ gynecologic cancer. These cancers affect more than 100,000 women and cause over 30,000 deaths each year.”

“NFM is honored to be associated with such an amazing event,” said David Silverman, CEO of NFM Lending. “I am grateful we have so many caring team members that will donate their time to such a great cause.”

Mary Levinson, Branch Manager, coordinated NFM Lending’s involvement in the event.

“The Johns Hopkins Kelly Gynecologic Oncology Service is a world leader in surgery and oncology care for women diagnosed with gynecologic cancer,” said Levinson. “NFM Lending is proud to be the ‘Presenting Sponsor’ once again for the Stride and Thrive 5k and 1-mile run/walk. I am so inspired by the patients, their families, the doctors, nurses, volunteers, and all the participants that make this event so special.”

NFM Lending looks forward to being part of such an important and impactful mission.

VA loans are guaranteed by the United States Department of Veterans Affairs and enable Veterans to have an easier time financing their home. If you’re considering a VA loan, here’s everything you need to know about VA financing.

☆ A Veteran, active duty, or honorably discharged may be eligible for a VA loan if he/she meets the following requirements:

☆ The borrower is the spouse of a service member who has died in the line of duty, or as a result of a service related disability

★ All Joint Loans will need to be underwritten by the Regional Loan Center for prior approval

★ Since VA requires a 25% Guaranty to be maintained on all VA loans, a down payment will be required when a Veteran and non-Veteran spouse are purchasing a home together

VA Appraisals: What Are They Looking For?

☆ Exterior- Front and rear at opposite angles to show all sides of dwelling and street scene.

☆ Interior- Kitchen, main living room, bathrooms, bedrooms, and any other room representing overall condition, basement, attic, and crawl space, recent updates, photos of deficiencies or conditions requiring inspection of repair.

☆ Existing- 100% complete for over a year or less than a year if it has been previously occupied.

★ If there is an indication of a potential environmental problem, the appraisal report must contain a requirement for correction of the problem in accordance with local, state, or federal requirements.

★ Appraiser may not recommend electrical, plumbing, heating, roofing, or any other inspections only as a measure of liability protection. An inspection should only be recommended if there is an indication of a complex problem requiring a professional opinion such as pests, site drainage, structural defects, safety concerns, code violations, etc.

☆ Faulty or defective mechanical systems (electrical, plumbing, or heating/cooling)

☆ Evidence of possible structural failure (settlement or bulging foundation wall, cracks in the walls or foundation)

☆ Lead Based Paint constitutes an immediate hazard that must be corrected (properties built before 1978)

☆ Appliances that are to remain and that contribute to the market value opinion must be operational

☆ Freestanding appliances that do not contribute to the market value do not have to be present or in the working order

☆ The remaining economic life must be at least as long as the loan repayment term (usually, 30 years).

Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. *In a purchase transaction, reasonable closing costs may be paid by the seller, and the program is available with no points depending on credit profile, collateral, and current mortgage history.

LINTHICUM, MD, May 2, 2018 — NFM Lending is proud to announce 18 of their loan originators have been ranked on Ask A Lender’s Best Mortgage Lenders 2018.

Ask A Lender, a unique platform that connects people with mortgage brokers and lenders directly, released its first-ever rankings of the nation’s best mortgage lenders on April 2. The rankings are presented by city and state and enable online home-loan shoppers to find the top-performing mortgage lenders in their communities.

“The concept of Ask A Lender is a powerful one because it brings awareness for mortgage shoppers as to who the best players are in their desired area of homeownership,” said Greg Sher, Chief Business Development Officer. “To that end, it’s an honor to see so many of NFM’s producers near the top of the list. It’s always a great source of pride to see our very best get recognized.”

These 18 loan originators were ranked among more than 2,500 mortgage brokers and loans officers across the country. To be eligible for initial consideration, individual lenders must have closed at least 100 home loans in calendar year 2017. The rankings are produced and audited in collaboration with Scotsman Guide Media.

Jessica Uphoff – Westminster, CO • #4 in Westminster – #74 in Colorado

Brian Pintar – Greenwood Village, CO • #2 in Greenwood Village – #82 in Colorado

Blane Stewart – Brandy Station, VA • #1 in Brandy Station – #77 in Virginia

Robert Scolnick – Lake Harmony, PA • #1 in Lake Harmony – #69 in Pennsylvania

NFM Lending is proud of these loan originators’ achievements and wishes them continued success.

LINTHICUM, MD, May 1, 2018— NFM Lending is pleased to honor Senior Chief Machinery Technician James E. Sharp, USCG, Retired, as the NFM Salute for May 2018.

Senior Chief Sharp served in the United States Coast Guard from 1985 to 2011. He held many positions throughout his military career, including: Machinery Technician 3rd Class, Pollution Investigator, Boarding Officer, First Class Petty Officer, Machinery Technician Chief, Main Propulsion Senior Chief, and Chief of the Boat. Senior Chief Sharp was stationed primarily between Guam and Hawaii, with shorter stays in Taylor’s Island, MD and Seattle, WA. During his 26-year career, Senior Chief Sharp served on seven United States Coast Guard Cutters (USCGC): CAPE GEORGE, BASSWOOD, ASSATEAGUE, GALVESTON ISLAND, SASSAFRASS, WALNUT, and MIDGETT. He also worked with the Marine Safety Office (MSO) in Guam and the Naval Engineering Support Unit in Honolulu. The ships Senior Chief Sharp served on were involved in various tasks, such as: aids to navigation throughout the Western Pacific; search and rescue; investigating oil pollution incidents; foreign fishing vessel seizures; fishery violations; oil spill recovery; and vessel security, to name a few. Senior Chief Sharp also served in the Persian Gulf for the Iraq War.

Senior Chief Sharp is the recipient of 18 awards and medals, such as: Meritorious Service Medal, Global War on Terrorism Service Medal, and Coast Guard Commendation Medal.

Senior Chief Sharp retired from active duty in the United States Coast Guard in September of 2011. He worked as a Ship Repair Superintendent for two years before getting picked up by the US Navy at Puget Sound Naval Shipyard as a Shipbuilding Specialist, acting as Government oversite for contractors on Aircraft Carriers. “I continue to back the US Coast Guard and all the jobs they do,” said Senior Chief Sharp. “Do more with less was always the saying, and we did it and I see that the service continues to do business this way and continues to answer the call and take care of the jobs set before them, Semper Paratus.”

Senior Chief Sharp resides with his wife Connie in Poulsbo, WA and enjoys boating, fishing, clamming, and being outdoors. They have one daughter, Bianca Lei.

“As a lifelong friend of Jamie, I was always amazed at the stories he told me of his duties while in the US Coast Guard. As the lesser-known U.S. Military Service, most people would associate it with protecting the waters around the U.S. mainland, but they cover all parts of the world. His 26-year career in the Coast Guard took him all over the world’s waters, patrolling the Pacific water for months on end. He always called me after getting back to port with new stories; he’s shared tales of rescues and pulling people from sinking boats during storms. Though maybe not the headline news type of military action most of us know, the Coast Guard is out there patrolling foreign waters and protecting the USA in ways we never hear about. Jamie was some of the first military to go to Iraq during the Gulf war. I commend him and his service to this country.”

NFM Salute 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 $1,000 donation to a military or Veteran non-profit in the Salute’s name. Senior Chief Sharp chose the Gary Sinise Foundation to receive this month’s donation.

LINTHICUM, MD, April 25, 2018 — NFM Lending is proud to announce they ranked in the Top 100 Mortgage Companies in America for 2017 by Mortgage Executive Magazine. This is the third consecutive year NFM Lending has received this recognition.

Each year, Mortgage Executive Magazine compiles a list of the nation’s top 100 mortgage companies and publicly traded banks by their total yearly mortgage volume. NFM Lending ranked 69^th on the list, with a mortgage volume of $1,518,339,277 and 6,304 loans closed.

“The growth of NFM is something that I am very proud of,” said Bob Tyson, COO/CAO of NFM Lending. “I am a firm believer that companies grow through their people. The fact that we continue to grow is a testament to the individuals that we are so fortunate to have.”

NFM Lending was recognized in the Top 100 Mortgage Companies in America in 2013, 2015 and 2016. In the last year, NFM Lending was named one of Mortgage Executive Magazine’s Top 50 Best Companies to Work For, as well as Top Work Places by both the Washington Post and the Baltimore Sun. It was also named a Top Mortgage Employer by National Mortgage Professional Magazine for the third straight year. NFM Lending is proud of these accomplishments and looks forward to another successful year.

You only have one chance to make a great first impression and for your home that impression comes from curb appeal. It’s up to you to make your home appealing, so spend the time and money to entice potential buyers to take a further look. Here are 8 ways to add curb appeal to sell your home:

Clean: The first thing you should do to your home is give it a much-needed “bath”. Rent a power washer if you don’t own one or hire a professional. You’d be amazed at the difference a deep cleaning will make to your home. Don’t stop at just the house; clean the porch/deck, walkways and driveway. Getting rid of all the grime will make your home look like a million bucks without having to spend it.

Paint: Now that your home is squeaky clean, you can add a fresh coat of paint. Redoing the entire exterior of your home isn’t necessary, so if you’re working on a budget don’t worry. Instead, focus on painting a couple areas that will stand out. The most eye-catching spots will be your front door, shutters, trim, porch, and mailbox. Painting just these spots will keep the cost of paint down while helping rejuvenate the look of the home.

Update Any Metals: Those outdated light fixtures, rusty house numbers, and ready to fall apart railings have got to go. Start with finding modern light fixtures for your porch and go from there. All metal used around the exterior of your home should remain consistent to tie everything together. Be sure to pick items that match the overall design of your home; the exterior of your home should act as a preview for potential buyers of what they can expect when they walk inside.

Symmetry: While updating and adding pieces to the front of your home, check for symmetry. Have lighting fixtures or potted plants on each side of your front door. This will not only look inviting but will ultimately make your home more pleasing to the eye.

Add Seating: Having a place to sit will make your home seem more inviting. No matter the size of your porch or backyard, find a piece of furniture that will fit the space. For smaller areas, use a bench or rocking chair. For the backyard, a group of nice chairs or a single loveseat would give the perfect touch. This extends your “living” space outside and potential buyers can imagine themselves sitting around a fire pit, reading a book, or sipping their morning coffee. Add a path to this area and install lights along the way. This will not only make your yard look nice but is good safety feature.

Use Color: If your yard is lacking, use color—especially contrasting—to your advantage. Ditch the same old brown mulch for a brighter red. Find some bright colored pots for your plants and strategically place them around your yard. Use river rocks to create a border between your grass and beds. Dress up your mailbox with a new planter box and some bright flowers to make it really stand out.

Hide Unsightly Items: Remove the ugly from your yard. Garbage cans, recycling bins, AC units, toys and tools will take away from the organized and clean look you want. If you have a shed, put it to good use with what you can. Since you can’t remove your AC unit, try to hide it with well-placed shrubs.

Plants/Trees: If you have the budget, plant new trees, shrubs, or flowers. Make sure you research how big the tree will become before making any decisions. You don’t want something that will become 20 feet tall to be placed too close to your home or have the tree shed acorns all over your pool. Trim the hedges and pick all weeds. You’ll have to keep up with maintaining your yard as you won’t know how long it will take to sell your home.

There are endless possibilities to improve your curb appeal without breaking the bank. Choose tasks that you can easily do yourself to cut on costs. Potential buyers want to be drawn into the possibilities of the home, not exactly what you’ve created. If you can entice them to walk through the door, you’ve done your job.

While buying a home might seem straightforward, there’s a lot more to the process than picking out a home and obtaining a mortgage. One of the things most buyers don’t prepare for is all the hidden costs of buying a home, both during the homebuying process and after.

Some of these costs occur during the homebuying process, otherwise known as closing costs:

Down Payment/Earnest Money: Your down payment is a certain percentage of the home’s purchase price, ranging from 0-20%. Earnest money is essentially a security deposit that shows your intent to buy the home. This money is later applied to your down payment when you purchase the home. For example: if the home you want to buy is listed at $250,000, you can expect to have a down payment between $8,750 (3.5%) and $50,000 (20%).

Appraisal Fee: An appraisal is a written analysis of a property’s estimated value, prepared by a qualified appraiser. On average, the fee for an appraisal ranges from $250 to $400. This price is dependent on the size of the home you are looking to buy and where you live, so it could be more or less than average.

Title Services: When you buy a home, the seller must transfer their legal ownership or “title”, over to you in the form of a deed. Your lender requires you to have a complete title search and insurance to protect you in the instance that the seller or previous owners didn’t have complete ownership of the home. This fee is a bit higher than other closing costs, averaging around $1,000, but it is a vital aspect to protecting yourself from potential issues in the future.

Lender’s Origination Fee: When working with a mortgage lender, they charge an upfront fee to process your loan application. This fee is usually a percentage of the total loan you obtain, also known as “points”. One point is equal to 1% of the loan amount. For example, on a $250,000 loan, a 1% origination fee or one point is equal to $2,500.

Home Inspection: It is crucial to have a home inspected before you proceed to purchase. Professional home inspectors are trained to see things that normal eyes might overlook. You don’t want to buy a home with foundation problems, bad roofing, or pests. The cost for a professional home inspection is between $300 and $500, depending on the size of the home.

Property Taxes: As a homeowner, you typically pay property tax twice a year. In most cases, the sale of a home will fall within one of the tax periods. This means that at closing, the buyer will reimburse the seller for the property taxes they’ve already paid for the tax period. Since you are only paying a portion of the taxes, the total cost depends on both the value of the home and how far into the pay period you are buying the home.

Moving: There are a lot of aspects of moving to consider when trying to estimate what it will cost. Are you moving down the street, across the state, or across the country? Obviously, the further the distance, the more you will pay for movers or to rent a moving van/truck. Moving yourself is a cheap alternative to hiring professionals. The size of the home and the weight of items also impact the cost. You’ll need to purchase packing supplies, including boxes, containers, tape, and bubble wrap. The time of your move also comes into play, as moving in the summer is busy season and usually has the highest rates. Expect to spend anywhere between $1,200 and $5,000 to move.

Utilities: If you’ve owned a home before then you’ve experienced paying for your own utilities. For first-time homebuyers, some of these costs were probably covered if you were renting. Utilities you’ll have to pay include: water, sewer, gas, cable, internet, electric, trash/recycling, and phone. A few of these costs are dependent on the seasons (electric), while others can be impacted by the number of people living in your home (water). Plan to pay about $300 to $600 a month in utilities when setting a budget. You can easily adjust this amount once you’ve had a couple months to find your own average.

Maintenance/Renovations: While your new home might have been in great condition when you purchased it, it’s your responsibility to keep up with maintaining the home and yard. If you’ve never had to maintain a yard, you might need to purchase some tools, such as a lawn mower, rake, shovels, shears, or leaf/snow blower. If you prefer to hire professionals to maintain your landscape, be sure to add that into your budget. Set aside some money for a renovation budget as well, as you might choose to repaint the living room or redo the kitchen a year or two down the line.

Homeowner’s Association (HOA): If the home you purchased is part of a HOA, you’re going to have an additional monthly cost of, on average, $200 to $400. The more upscale the community/amenities, the higher the fee. Every HOA has different requirements and standards, so do your research before choosing to join.

Becoming a homeowner is a milestone achievement, so make sure you are fully prepared for the financial commitment. Now that you know what hidden costs to expect when buying a home, you should feel confident about your budget and moving forward in the homebuying process.

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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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