LINTHICUM, MD, August 1, 2019— NFM Lending is pleased to honor Reno Truant as the NFM Salute for August 2019.
Reno attended the Henry Ford Trade School in Dearborn, Michigan from 1939 to 1942. At the age of 17, he felt a calling to serve his country and asked his parents to sign a release to allow him to join the Marines prior to turning 18. The Marines saw Reno’s training from the Henry Ford Trade School as an asset and after boot camp in San Diego, sent him to Washington D.C for Aircraft training school to become an Aircraft Mechanic. Reno was then stationed in the Marshall Islands in the South Pacific, where he worked on Douglas Dive Bombers and F4U Corsair Fighter planes. He served from 1942-1946. Reno just turned 94 in June.
Reno was nominated by his granddaughter, Liz Snead.
“I nominated Reno Truant for the NFM Salute because he has dedicated his life to the service of others. Beginning with his service in the Marines, Reno served his country, his family, and his community.”
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 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.
Selected NFM Salutes may choose from one of the following three non-profits: Platoon 22, AnySoldier, and the Gary Sinise Foundation. Reno chose the Gary Sinise Foundation to receive this month’s donation. NFM looks forward to the opportunity to continue to honor military and Veterans through the NFM Salute initiative.
About NFM Lending
NFM Lending is a mortgage lending company currently licensed in 37 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 Instagram.
Getting ready to purchase a home is a huge financial undertaking. While you are probably aware of having to save up for a down payment, you might not know about closing cost fees. Don’t be taken by surprise at the closing table; here’s what you need to know about closing costs.
Closing costs are the fees charged for services performed during the home purchasing process that you will pay at closing. Closing is the final step of the loan process and is a meeting between you (the buyer), the seller, and closing officer (a lawyer or title/escrow company representative, depending on the state). You will review the legal documents provided in your loan package and execute all required documents. This step is extremely important, as it is the final confirmation of the loan terms as discussed with your lender.
The closing costs you might have to pay will vary based on the property, where you live, and the loan you choose. The following are a few of the most common fees you may see.
Again, closing costs will not be the same for everyone as they vary by region. On average, most homebuyers typically pay about 2 to 5 percent of the home purchase price. For example, if the home costs $250,000, you might pay between $5,000 and $12,500 in closing fees.
It is likely you might be able to avoid some closing cost, but not all. Here a few ways to save on closing costs.
Your lender will provide you with an estimate of what closing costs will be at the beginning of your application process, which will allow you the chance to shop around to find the best lender and deal for you. After finding a lender and going through the loan process, you will receive a closing disclosure, or the final closing cost total, at least 3 business days prior to closing. This is your time to make sure everything looks right and if you have questions or find a mistake, you have time to contact your lender. If you’re worried about how much you’ll pay in closing costs, there’s plenty of options for you! NFM participates in most state bond programs that provide closing cost assistance.
To learn more about closing costs or bond programs, contact one of our licensed Mortgage Loan Originators. If you are ready to begin the home buying process, click here to get started!
LINTHICUM, MD, July 1, 2019— NFM Lending is pleased to honor Lieutenant Colonel Elizabeth Evans as the NFM Salute for July 2019.
LTC Evans attended West Point, graduating in 2000. Her first duty station was Fort Hood, Texas, where she was commissioned as an Army engineer officer. After serving in the 1st Cavalry Division’s 20th Engineer Battalion for 5 years, LTC Evans decided to leave the Army and join the Florida National Guard. This decision allowed her to pursue engineering while keeping involved in the military for the next 11 years.
LTC Evans was a pioneer for women in combat leadership roles, making history by becoming the first female company commander of three different organizations: she was the first female commander of the 53rd Brigade Special Troops Battalion in Florida, and in 2017 became the first female Task Force Commander. It wasn’t until 2015 that women could be in a combat role.
During her time in the National Guard, LTC Evans commanded an engineering company and led 300 missions in the combat zone during Operation Iraqi Freedom II in Baghdad, Iraq. In 2016, she deployed to Central America for a six-month long training mission. She commanded another task force comprised of 400 soldiers throughout three countries. The task force partnered with military forces and police, training them to recognize and fight back against human trafficking and drugs.
After 19 years of service, LTC Evans founded E2 Design and Construction in March 2017. Remaining active in supporting her community and country, she is serves on several non-profit boards, including the West Point Society of North Florida as President. She also led relief efforts in the Florida Keys during Hurricane Irma in September 2017.
LTC Evans was nominated by her friend and loan originator, Elysia Stobbe.
“Gratefully, a large portion of my clients at NFM Lending are in the military. I am privileged to be able to help many Veterans and soldiers currently serving our country. During my work with them, I am sometimes able to get a glimpse of their personal and professional lives and how they contribute to our world for the betterment of all of us. No one stands out to me more than the dynamic, driven, and humble Elizabeth Evans. I am honored to be able to nominate her for the NFM Salute.”
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 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.
Selected NFM Salutes may choose from one of the following three non-profits: Platoon 22, AnySoldier, and the Gary Sinise Foundation. LTC Evans chose Platoon 22 to receive this month’s donation, explaining that “losing soldiers to suicide is one of the most heart wrenching ways to lose a fellow brother or sister in arms.” NFM looks forward to the opportunity to continue to honor military and Veterans through the NFM Salute initiative.
About NFM Lending
NFM Lending is a mortgage lending company currently licensed in 37 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 Instagram.
LINTHICUM, MD, June 24, 2019 — NFM Lending is pleased to announce it has been named a 2019 Top Workplace in the Washington, D.C. area by the Washington Post. This is the fifth consecutive year NFM Lending has received this award.
NFM Lending received the award at a ceremony held Thursday, June 20, 2019. Since its founding in 1998, NFM Lending has grown from a small mortgage brokerage in Baltimore to a lender with locations throughout the United States, including multiple locations in the D.C. area.
“At the top of the list of things that mean the most to all of us at NFM, it’s having happy clients and happy employees,” said Greg Sher, Chief Business Development Officer. “When you’re recognized for either, it’s a reminder that what we do matters far beyond providing mortgage financing for homeowners. We’re honored to once again be recognized as Top Workplace by the Washington Post. Thanks to our 600+ employees for helping to make this happen!”
Each year, the Washington Post distributes a survey to the employees of Washington, D.C. area companies, asking them to evaluate their workplaces. The survey asks participants to rank their companies on quality of leadership, work-life balance, pay and benefits, and more. NFM Lending ranked among the top 55 midsized companies that made the final cut for inclusion on the Top Workplace list.
So far in 2019, Mortgage Executive Magazine named NFM Lending one of the 50 Best Companies to Work for, as well as one of the Top 100 Mortgage Companies In America. The Baltimore Sun also named NFM a Top Work Place in Baltimore, in addition to being named a Top Mortgage Employer by National Mortgage Professional Magazine. NFM was also a finalist for the Baltimore Business Journal’s Best Places to Work. NFM Lending is proud of these accomplishments, and the work its team does to make it a Top Workplace.
About NFM Lending
NFM Lending is a mortgage lending company currently licensed in 37 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 Instagram.
Are you looking to update your bathroom but need to do so on a budget? Use this list of bathroom renovation ideas to inspire your next DIY project.
The quickest way to give your bathroom a refresh is by simply giving it a new coat of paint. However, don’t be mistaken into thinking it will be an easy DIY project. Your bathroom is full of nooks and crannies that you’ll have to paint around (such as toilets and showers). When choosing colors, stick with earth tones for a spa-like feel. If you want to give it modern twist, choose an accent wall to make a bright color that really pops.
Just because it’s a bathroom doesn’t mean you can’t feature some cool wall decor. Hang up some paintings or mirrors. If you have the space, add a couple shelves for plants, frames or even signs. The possibilities are endless.
Swap your same old boring rectangle or square mirror for a fun shape! It can be a circle, or even a collage made up of a couple mirrors. You’d be surprised at how much different a room can feel by making just this one change.
Give the hardware in your bathroom an update. Replace your faucet, knobs, light fixtures and towel racks. Give your shower head an upgrade. If it’s in your budget, consider replacing your sink entirely.
Don’t let your tight budget hold you back. Rather than replacing the entire vanity, repaint or stain it. This will make it feel like new without draining your wallet. If you do want to replace it, don’t buy new – upcycle! A vintage table or dresser might require some work but will be well worth it!
Giving your bathroom a makeover doesn’t need to be costly. There are plenty of bathroom renovations you can do yourself. If you are looking for a larger-scale remodel, there are several financing options available.
If you have any questions or want more information about what options are available to you, contact one of our licensed Mortgage Loan Originators.
LINTHICUM, MD, June 3, 2019 — NFM Lending is proud to announce they ranked in the Top Mortgage Lenders 2018 by Scotsman Guide.
Each year, Scotsman Guide compiles a list of the nation’s 75 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 $1,630,419,869 and closed 6,577 loans.
“It’s nice to see the hard work of all of our amazing team members at NFM continue to move us higher on this prestigious list year after year,” said David Silverman, CEO of NFM Lending.
NFM Lending was also recognized in the Top Mortgage Lenders in 2012, 2013, and 2017. Recently, it has been named one of the 50 Best Companies to Work For and a Top 100 Mortgage Company by Mortgage Executive Magazine, both for the fifth time. NFM Lending was also named one of National Mortgage Professional Magazine’s Top Mortgage Employers, Top Work Places by both the Washington Post and the Baltimore Sun, and a Best Place to Work by Baltimore Business Journal. NFM Lending is proud of these accomplishments and looks forward to another successful year.
NFM Lending is a mortgage lending company currently licensed in 37 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 Instagram.
LINTHICUM, MD, June 3, 2019— NFM Lending is pleased to honor Chaplain (MAJ) Thomas Watson as the NFM Salute for June 2019.
Chaplain Watson’s 17 years of service in the Army National Guard began in 1985 as a 19 Delta Cavalry Scout. He subsequently received a direct commission in the U.S. Army Chaplain Corp in 2008. Chaplain Watson deployed with the 1-113th Field Artillery Battalion, supporting Operation Iraqi Freedom in 2009-2010. He presently commands the 136th Chaplain Detachment with the 139th Combat Arms Battalion Regional Training Center in Ft. Bragg, NC. He lives with his wife, Jackie, and three children, Caleb, Karis, and Zeke, in Indian Trail, NC.
Chaplain Watson also runs a real estate firm in Charlotte, NC. He stated, “The excellent skills and training I have received from the U.S. Military has enabled me to build and grow a successful business in real estate and in return help dozens of my peers who are Veterans and first responders.”
Chaplain Watson was nominated by his colleague, Taylor Croy.
“Tommy makes every effort to help our Veterans own a home. He started a program called ‘Warrior Salute’ where he gives a portion of his commission to every client who is Military, Medical, or First Responders to help them with closing costs. Tommy is as genuine as they come and deserves to be recognized for always putting others before himself.”
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 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.
Selected NFM Salutes may choose from one of the following three non-profits: Platoon 22, AnySoldier, and the Gary Sinise Foundation. Chaplain Watson chose Platoon 22 to receive this month’s donation, “because I’ve had too many soldiers take their own lives…enough is enough!” 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 37 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 Instagram.
LINTHICUM, MD, May 24, 2019— NFM Lending is proud to be the returning Presenting Sponsor for the fourth annual Stride and Thrive 5k and 1-mile run/walk on June 9, 2019. This event will benefit the Kelly Gynecologic Oncology Service in the Johns Hopkins Department of Gynecology & Obstetrics. This will be NFM Lending’s fourth 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. “It’s an honor for NFM Lending to be the ‘Presenting Sponsor’ once again for this incredible event. 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.
NFM Lending is a mortgage lending company currently licensed in 37 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 Instagram.
LINTHICUM, MD, May 22, 2019 — NFM Lending is proud to announce it was named a finalist of the Best Places to Work 2019 by Baltimore Business Journal.
Every year, Baltimore Business Journal (BBJ) conducts a months-long nomination process and online survey of local companies. The survey was limited to employees in the Greater Baltimore area presently employed by the companies they rated. The BBJ explains the Best Places to Work as a “program [that] measures a wide range of research-validated workplace factors that impact employee engagement and satisfaction. Best Places to Work foster a workplace where employees willingly go above and beyond in their work, advocate for the organization and intend to stay into the future.” Finalists are placed into one of four categories based on the number of employees: micro, small, midsize, and large. Only 40 companies were named a finalist; NFM Lending was one of ten in the large category.
“Every great relationship in life starts with listening,” said Jan Ozga, President of NFM Lending. “This holds true, even in business. I am proud that NFM has made employee engagement and communication critical and fundamental aspects to developing our processes and culture. The greatest honor any company could receive is having their own employees recognize they are happy where they work. NFM is extremely fortunate to be comprised of so many talented individuals who treat this company as if it were their own. We spend massive amounts of time asking what we can do better and then following through by taking constructive action. If you want to succeed in business, start by listening to those that work for you. Your employees will lead you to better results, if you let them.”
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 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. It was recently named a Top 50 Best Companies to Work For by Mortgage Executive Magazine for the fifth time. It has also been recognized as one of The Baltimore Sun’s Top Work Places in the Baltimore Area for seven consecutive years; one of the Washington Post’s Top Work Places in the Washington, D.C. area for four years in a row; and a Top Mortgage Employer by National Mortgage Professional Magazine four times. NFM Lending is proud of each member of its team, and the work they do to make NFM a Top Workplace.
NFM Lending is a mortgage lending company currently licensed in 37 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 Instagram.
LINTHICUM, MD, May 8, 2019 — NFM Lending is proud to announce two of its loan originators, Jane Floyd and Jessica Uphoff, have been ranked on the Scotsman Guide’s Top Women Originators 2018 list.
For the first time, Scotsman Guide recognized the nation’s top producing women mortgage loan originators. Out of the thousands of submissions for the magazine’s annual Top Originators rankings, only 200 women made this list. The overall ranking was based on Total Dollar Volume for 2018.
Jane Floyd, out of Tampa, FL, ranked #39. She did over $89 million in loan volume and closed 330 loans.
“I am honored to be named a Scotsman Guide’s Top Woman Originator of 2018!” stated Floyd. “I attribute my success to my amazing team members and support of NFM Lending. I feel extremely blessed to be surrounded by team members who push me to reach my goals. I look forward to reaching new goals in 2019!”
Jessica Uphoff, out of Westminster, CO, ranked #62. She did over $76 million in loan volume and closed 232 loans.
“It is an honor to be named a Scotsman Guide’s Top Woman Originator among the nation’s top-producing mortgage professionals,” stated Uphoff. “I am eternally grateful to my outstanding business partners, clients and top-notch team members. I share this success with all of you and look forward to more great accomplishments in 2019.”
“Jane and Jessica are in a class of their own,” said Jan Ozga, President of NFM Lending. “In this industry, they do more as individuals than most branches with multiple loan originators. It’s next to impossible to match the energy and professionalism both these women bring to the NFM Family. They not only help our sales team develop better systems, but also innovate modern approaches to winning referral partners. Congratulations to them both for this well-deserved recognition.”
NFM Lending is proud of these loan originators’ achievements and wishes them continued success.
Jane Floyd • Branch Manager, NMLS #327235 • www.nfmlending.com/jfloyd
Jessica Uphoff • Branch Manager, NMLS #174999 • www.nfmlending.com/juphoff
NFM Lending is a mortgage lending company currently licensed in 37 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 Instagram.