Kelsey Trumbull, Author at NFM Lending

LINTHICUM, MD, April 2, 2018— NFM Lending is pleased to honor Colonel Erwin A. Burtnick, USA, Retired, as the NFM Salute for April 2018.

COL Burtnick served over 37 years on active duty and in the Army National Guard and the Army Reserve. Commissioned through Officer Candidate School, he has held numerous positions throughout his military career, including: Rifle Platoon Leader in the 115th Infantry, Adjutant of the 2122nd US Army Garrison, Secretary of the 2071st USAR School, Chief of the Evaluation Reports Branch (IMA) at the Military Personnel Center, and Director of Personnel and Community Activities (IMA) at the Supreme Headquarters Allied Powers Europe (SHAPE) in Belgium. He also commanded the 165th IMA Detachment in support of the Army Deputy Chief of Staff for Personnel at The Pentagon.

COL Burtnick is the recipient of 24 decorations, service medals, and ribbons, including the Legion of Merit. He was the first person in the Department of Defense to be presented the Military Outstanding Volunteer Service Medal (MOVSM), which was awarded for his work with the Committee for Employer Support of the Guard and Reserve (ESGR) in the Department of Defense (DOD). He received a second award of the MOVSM for his work with Veterans.

The longest serving ESGR member in the country, COL Burtnick was appointed in 1973 to the ESGR National Advisory Council and served as the chair of the central region of Maryland and an ombudsman. He is also a DOD Master Trainer. For his work with the committee, COL Burtnick has received numerous awards, including the Department of Defense ESGR Lifetime Achievement Award and the James M. Roche Spirit of Volunteerism Award, the highest award bestowed by ESGR. He was also previously designated the National Ombudsman Volunteer of the Year.

Commander of the Department of Maryland, Jewish War Veterans of the USA, COL Burtnick is also the chairman of the National Awards for Valor Committee. He serves on the National Executive Committee and is vice chairman of the National Finance Board. Active in numerous other veteran and military organizations; Colonel Burtnick is the commander of the General George G. Meade Chapter of the Military Order of the World Wars, the national membership chairman, and is on the National Executive Committee. He also serves on the Fort Meade Retiree Council. A commissioner on the Maryland Veterans Commission, he served as an ambassador in the Army Freedom Team Salute program. COL Burtnick is also an Advisory Board member of The Jewish Uniformed Service Association of Maryland (JUSA) and is the Military and Veteran benefit advisor. The JUSA provides current and retired men and women in uniform [Military, Police, Fire and Public Safety] of the state of Maryland with educational and social support and activities. JUSA’s motto – “Serving Those Who Serve Us” – reflects its mission to provide spiritual and counseling support to military members and Veterans and their families.

A graduate of The Johns Hopkins University, COL Burtnick lives with his wife, Janet, in Baltimore County. They have two sons, Jason and Scott. Jason is an aerospace engineer and Scott is an industrial/organizational psychologist.

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 $1,000 donation to a military or Veteran non-profit in the Salute’s name. COL Burtnick chose AnySoldier 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.

LINTHICUM, MD, March 28, 2018 — NFM Lending is proud to announce two of its loan originators, Jane Floyd and Daniel Sa, have been ranked on the Scotsman Guide’s Top Originators 2017 lists.

Each year, Scotsman Guide recognizes the nation’s top producing mortgage loan originators. Originators can be ranked in any of ten categories, including Top Dollar Volume, Most Loans Closed, and Top Purchase Volume. According to their website, “Each set of rankings…is thoroughly audited, making Scotsman Guide’s rankings the mortgage industry’s most comprehensive, most intensely verified lists of their kind.”

Jane Floyd, out of Tampa, FL, was ranked in both Top Dollar Volume and Most Loans Closed categories. She ranked #196 out of 500 in Top Dollar Volume and #99 out of 300 for Most Loans Closed. Daniel Sa, out of Columbus, OH, was ranked in the Most Loans Closed category. He ranked #191 out of 300.

“NFM Lending is proud of Jane Floyd and Daniel Sa for their recognitions in The Scotsman Guide for top production and units.” said Jan Ozga, President of NFM Lending. “They continue to be the best in class and set the gold standard, both at NFM and in the entire mortgage industry.”

Over 3,000 originators applied for consideration, with only 641 making the ranks. To be considered for the rankings, entrants must either have had at least $40 million in loan volume, or personally closed 100 home loans in the 2017 calendar year. Floyd had over $92 million in loan volume and closed 383 loans in 2017. Sa closed 312 loans.

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

Daniel Sa • Sr. VP of Retail & Regional Manager for Ohio, NMLS #173224 • www.nfmlending.com/dsa

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, March 23, 2018— NFM Lending is celebrating the two-year anniversary of its NFM Salute program. They honored their first NFM Salute on March 23, 2016.

NFM Salute is an initiative dedicated to recognizing the brave men and women who have fought and continue to fight for our freedom and our country. Every month, a nominated military service member or Veteran is chosen to be honored as the “Salute of the Month.” A brief biography and information about the Salute’s service is featured on both the website and NFM Lending’s social media. The Salute receives a gift and a donation is made by NFM Lending on behalf of the monthly Salute to one of three chosen non-profits: Platoon 22, AnySoldier, or the Gary Sinise Foundation. Since the start of the NFM Salute initiative, NFM Lending has donated over $50,000 to these military focused charities.

“Two years has flown by,” said Greg Sher, NFM’s Chief Business Development Officer. “The NFM Salute has fulfilled its promise to honor those who have and continue to serve our country. I just love reading the stories of our honorees and always look forward to the next one.”

NFM Lending is thankful for the opportunity to continue honoring U.S. military service members and Veterans through the NFM Salute initiative. Nominations are always welcome. For more information about the NFM Salute initiative, to read the stories of past Salutes, or to nominate a soldier or Veteran, visit www.nfmsalute.com.

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 it celebrates 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.

LINTHICUM, MD, March 22, 2018— NFM Lending will sponsor the Ronald McDonald House Charities of Baltimore’s (RMHCB) 7^th annual Red Shoe Shuffle 5k Run and Walk. The event will take place on Sunday, April 8, 2018.

Each year, a group of NFM Lending employees and their family members participate in the Shuffle, either as runners, or as volunteers. This will be NFM Lending’s seventh consecutive year sponsoring this event.

The Ronald McDonald House Charities of Baltimore is an organization that provides a cost-free home away from home for seriously ill children and their families while undergoing treatment. They also work with and help fund programs in the local area that directly improve the well-being of children. Since 1982, the RMHCB has housed more than 35,000 families from not only around the country, but the world. Money raised from events like the Red Shoe Shuffle have allowed the RMHCB to start constructing an even larger facility to increase the number of families they are able to house every day.

“Once again, NFM Lending is proud to support Ronald McDonald House Charities of Baltimore,” said Gene DiPaula, Director of Marketing at NFM Lending. “The work they do with the children and families in our community makes a tremendous impact. The Red Shoe Shuffle is a fantastic event that NFM loves to participate in. Not only is NFM a corporate sponsor, but our employees love walking or running in the race and enjoy the feeling that they are making a difference in their community through this great philanthropic organization.”

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 it celebrates 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.

Let’s face it; of everything on your to-do list, spring cleaning probably isn’t the most exciting. But with warmer temperatures and a new year ahead of you, spring is a great opportunity to clean up, organize, and refresh your home. Use these spring cleaning tips to get your home looking its best.

Spring cleaning might seem overwhelming, but it doesn’t have to be. Take on one project at a time and recruit friends or family members to help you out. We promise it will be worth it once all is said and done!

This blog was originally published in April 2015 and has been updated to reflect current trends.

Not sure what to do with your tax return? You can use the money to make some much needed upgrades to your home! Whether you are thinking of selling your home or planning on staying for a while, these suggestions for using your tax return for home renovations are sure to add value to your home.

Focus on the smaller details of yourhome. Change out that mailbox that may have been hit a time or two (we won’t tell). Change the color of your front door, or even upgrade to a brand-new door! Be prepared to pay a little more if you have your eye on a steel front door. Give your home a fresh coat of paint, whether it’s the actual home or just the shutters or trim. Treat yourself to a new lighting fixture in the kitchen. Switch out all light bulbs to more efficient, energy saving bulbs; maybe even upgrade to a few smart light bulbs, like this starter kit for $179.00. You can’t renovate an entire kitchen on this budget, but you can add a nice backsplash, update cabinet hardware, or even get some new energy efficient appliances. You could even hire professionals to come clean the exterior/interior of your home. You’d be surprised the difference clean carpets and power washed driveways can make.

You can do a lot with this budget. Pick a nice new color for your interior walls, maybe adding an accent wall here or there. Replace those eye-sore pieces of furniture or rugs. Upgrade your kitchen counters to something more modern. You could install several smart home technology systems, such as smart thermostat, smart doorbell/security cameras, smart shades, and phone or voice controlled light switches. Open some space by knocking down that wall that’s been driving you nuts. If you’re more of a DIY-er, before picking up a sledgehammer be sure to consult with a professional to avoid taking down a load-bearing wall.

Depending on how much you have to spend there is the potential for some pretty big renovations. For lower budgets closer to the $5,000, you could add a deck or front porch. These will not only bring big benefits to you while living in the home but will add value to your home and can be a big selling point when trying to sell. Make some upgrades to a larger bathroom or renovate a smaller one. Sticking to just a few upgrades will keep costs down. If you’re looking to completely revamp a bathroom, it can cost anywhere between $7-10,000 depending on what you want to do. You can change out the flooring in a room or two. Install new windows that are going to help keep costs down.

The kitchen can be a pretty big project but is one of the most used and therefore important rooms in your home. If your budget extends towards $8-10,000, you should be able to afford new countertops, redo cabinets with a fresh paint or stain, add a back splash or new lighting fixtures, and possibly some new EnergyStar kitchen appliances. A kitchen renovation is one that is sure to add value to your home. For more ideas on home renovations that give the most bang for your buck, check out this interview with our Chief Appraiser!

Investing your tax return into home renovations is great way to add value to your home regardless of whether you’re selling soon or not. Use these suggestions to help you decide what you can do within your given budget, or consider other options to help finance renovations. If you are looking to buy a new home, another way to use your tax return is as a down payment.

LINTHICUM, MD, March 3, 2018— Residential mortgage lender NFM Lending is celebrating its twentieth anniversary. NFM Lending focuses on assisting consumers in obtaining residential loans that meet their needs, while ensuring they receive exemplary service throughout the process.

“What an amazing two decades for NFM,” said David Silverman, founder and CEO of NFM Lending. “While we have seen both the ups and downs, it’s been a wonderful journey so far with the most amazing people that make this company so very special. We will continue to grow and service our communities, our people, our customers, and our referral partners with one hundred percent effort, one hundred percent of the time.”

NFM Lending was founded in 1998 by David Silverman and his wife, Sandy. The company opened its doors at 104 Water Street in Baltimore with four Loan Originators and has since grown to have 400+ employees, 42 branches throughout the US, and is licensed in 29 states. NFM Lending relocated three times throughout 20 years; first to 1111 Light Street, then 505 Progress Drive in Linthicum, where it stayed for 11 years. In August 2017, NFM Lending moved for the third time just down the road to 1190 Winterson Road to a state-of-the-Art, 4-story building. The new and customized space has allowed for NFM Lending to continue to grow and expand into the Midwest and West Coast. The corporate office also houses all operations, including: Accounting, Closing, Compliance, HR, IT, Legal, Marketing, Post-Closing, Pre-Closing, Processing, Quality Assurance, Underwriting, and an A/V Studio. Their steadfast commitment to customers and the community, and the dedication of their talented and ambitious staff, are the attributes NFM Lending believes allowed them to achieve this milestone anniversary and overall success in the mortgage industry.

“Our 20^th year is just another symbolic moment of our unity as a team and mortgage family,” said Jan Ozga, President of NFM Lending. “Nothing stays together for twenty years without loyalty, commitment, and hard work. Our goal has always been to be the best we can be to our referral partners and employees…if we continue to focus on that, we will reach many more milestones for years to come.”

NFM Lending is honored to have been America’s Common Sense Residential Mortgage Lender™ for the last twenty years and looks forward to many more years to come.

LINTHICUM, MD, March 1, 2018 — NFM Lending is proud to announce ten NFM Lending loan originators have been ranked as the “Top 1% Mortgage Originators in America 2017” by Mortgage Executive Magazine.

Each year, Mortgage Executive Magazine compiles a list of the nation’s Top Mortgage Originators. This list recognizes and celebrates leading mortgage professionals on their service, hard work, and overall dedication to servicing their clients. According to their website, “The minimum eligibility criteria are a total ‘personal’ production of at least $30 million in 2017. Entries cannot include loan volume of associate originators or junior originators that earn a commission on the same loan files.”

“NFM is very proud of our Loan Officers that reached the Top 1%,” said Jan Ozga, President of NFM Lending. “They are best of class and continue to set the bar, not only at NFM, but in the entire mortgage industry.”

NFM Lending is proud of these Loan Originators’ achievements and wishes them continued success.

LINTHICUM, MD, March 1, 2018— NFM Lending is pleased to honor Lance Corporal (LCpl) Joseph Fortuna as the NFM Salute for March 2018.

After high school graduation in 1992, LCpl Fortuna enlisted into the United States Marine Corps, where he served from 1992-1998. At the advice of his father, a Marine who served in Vietnam and Desert Storm, LCpl Fortuna became a Marine Automotive Organizational Mechanic (MOS 3521) and went to San Diego for training. Even after sustaining an injury during basic training and having to undergo rehab, he graduated and went on to Camp Pendleton, CA to attend the school of infantry with the 1^st Marine Division. Afterwards, he continued to Camp Lejeune, NC to train as a 5 Ton/Humvee mechanic with the 2^nd Marine Division. LCpl Fortuna was then discharged from active duty and reported to Headquarters and Service (H&S) Company 4^th Marine Division in Chicago, IL. His unit was never activated for any combat operations and he was honorably discharged in November 1998. Since then, LCpl Fortuna has dedicated most of his time to supporting Veteran causes.

“…Not everyone has been as fortunate as me,” LCpl Fortuna explained, “Almost everyone in my family and circle of friends have served in the military in some capacity, including my daughter who just graduated from Paris Island last month. My dad would always say, ‘All gave some and some gave all.’ In the words of Veterans far greater than I, I’m definitely no hero, but I’m proud to have known some.”

“Joe is an amazing man! He started a Motorcycle Club in 2003 called the Tunnel Rats, named after the Tunnel Rats in Vietnam, and the entire club is either active military or Veterans. With [Joe’s] help, all these men support and help Veterans in need. They donate money, ride in charitable rides to benefit Veterans, and take the time to help any in need. The Club has also made donations to Operation Combat Bikesaver, [where] Veterans help build bikes to help cope with their PTSD. All these things would not be possible without Joe’s inspiration and determination.”

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 $1,000 donation to a military or Veteran non-profit in the Salute’s name. LCpl Fortuna chose AnySoldier to receive this month’s donation.

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.

Who hasn’t dreamed of having a home on the water? Whether it’s beach, lake, or riverfront, a waterfront home can be a great investment but should not be made without the proper research and consideration. Before making any costly mistakes, you need to know what to consider when buying a waterfront home.

Use an Experienced Realtor: Not all realtors have worked with waterfront homes, and therefore are unaware of the complexity involved in buying one. Choose a realtor with plenty of experience so they can easily guide you through the unique homebuying process. While the cost of using someone with more waterfront know-how might be higher, they could save you a lot of money and heartbreak down the road.

Property > Structure: Before getting to far in love with a home, you need to really analyze the actual piece of property. If there is a dock with watercraft access, ensure the depth of the water is adequate. Make sure the water is safe to swim in, as you don’t want to have any unexpected injuries from murky water, large deposits of algae, or a rocky bottom. Don’t discover the view isn’t great until too late. Consider the amount of privacy you want, as there might not be as much as you think (there is a huge difference between a public and private beach). How easy is it to access the water from your home, and vice versa? Some homes might have stairs leading down to the water or other paths, so ensure you will be comfortable using the access both now and in years to come. Bottom line, it is possible to change the house, but not so much the piece of property. That doesn’t mean you should ignore the structure altogether. Waterfront homes require extra measures to ensure they can withstand the elements. For example, for homes on/near salt water need to use stainless steel metals to avoid corrosion and will be more likely to need storm shutter for potential hurricanes. Research the effect of the elements on all aspects of living before making any decisions, as it’s more than just the house that can be impacted.

Loan First, Then House: Since buying a waterfront home is usually more expensive than buying a landlocked home, you’ll most likely need to get a jumbo loan. Typically, these loans take longer to obtain so you’ll want to start the loan process early, so you don’t miss out on the home of your dreams. To find out how much home you can afford, contact a trusted lender to get pre-qualified for a loan.

Property Improvement: Don’t buy your dream home and then find out you can’t make any improvements to the property! Do your research and check with the city to see if there are any limitations on the property concerning the removal of trees/bushes, building a pool or other structure, or even adding a dock. Depending on the type of waterfront, you should also check to see what activities are allowed, such as jet skiing, as there could be restrictions.

Flood Insurance: Owning a waterfront home comes with the potential of floods. While flood insurance can be expensive, it is a necessity. You might want to consider the possibility of the sea level rising and what kind of flood mitigation the property has. Another consideration, dependent on the location you’re buying, is that you might need more insurance than just flood. Knowing exactly what kind of insurance you need and where to get it is why we emphasize the need for an experienced realtor and lender!

Talk Around: Utilize the neighbors! They have most likely lived in the area for a while and know all the ins and outs. They can tell you about what issues you might face and might even have ‘insider’ information about the home you’re interested in. Also, they went through the waterfront homebuying process and might have some tips for you.

Middle of Nowhere: If the property is in a rural location there might be some new experiences for those who’ve been spoiled with the city/suburban conveniences. You most likely had electricity, water, sewage, cable, internet, etc. readily available, but that is not always the case with homes that are remote areas. In some cases, you might have to bring those utilities onto the property, which can get expensive. Do some investigating to see what the property has to offer, and how much it would cost to get what you need.

Responsibilities: Becoming the owner of a waterfront property also comes with becoming the caretaker of said property. If you are part of a HOA, there could be specific rules regarding the upkeep and maintenance of the property. If you are unable to do so yourself, consider adding a caretaker or other services into your budget.

Owning a waterfront home can become a reality, but make sure you are educated in what it really takes to purchase one. Do thorough research to become aware of any potential issues or unexpected costs. With the help of a knowledgeable realtor, lender, and these tips, you should have no problem getting the waterfront home of your dreams.

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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.
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