Welcome to NFM Lending, America’s Common Sense Lender. We serve the local community, as well as communities across the nation, by providing flexible mortgage solutions for prospective and current homeowners. Our broad range of loan products ensures that there’s something to offer everyone. I encourage you to browse my page and take note of the useful information and helpful tools. Should you have any questions, don’t hesitate to contact me. I look forward to working with you!
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you read to /and/or can you refinance your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.
Reviewed by GailKanwischer
"Ryan was referred to me by my realtor, Ryan Nager. Ryan and his team had impressive response times and great service. I was impressed by the service I received and their understanding through all my questions as a first time home owner. I would highly recommend using Ryan Sandell at Primary Residential Mortgage."
Reviewed by gdstaples9
"Ryan Sandell is a seasoned Branch Manager with an extensive background in Mortgage Services. His integrity and commitment to his clients is Stellar as he truly looks out for the best interest of his clients at all times. I highly recommend Ryan and his services when it comes to Mortgages. Additionally, if you are looking for employment with a great company, the Sandell Team of NFM LENDING is it. Ryan is the best mentor in the business that an employee could ask for. The way Ryan cares for his people he works with on a personal and professional level is Outstanding."
Reviewed by jwilkinsong
"Working with Ryan and his staff was a very good experience. I really appreciated their professionalism and they were all so nice to work with through the whole process. I also liked their website which was easy to use and kept me up to date on the status of my loan. I felt I received a very competitive interest rate. If you need a knowledgeable mortgage broker, I highly recommend Ryan Sandell....thanks !"
Reviewed by kiki jose
"Ryan was referred to me by our realtor. He told us we were approved and was really attentive to our needs. In a lapse of judgement and under the advice of others I allowed the seller to run our app through another approved lender. The sellers approved lender denied our mortgage app and wasted about a month of our time asking for coborrowers and telling us we didnt make enough. I called Ryan back and explained the stumbling block they couldnt work around. Ryan's response was "No problem" To make a long story short, dont waste time with lenders who cant think outside the box. Call Ryan first and no matter how tempting it is to use a lender with more incentives for the buyer, stick with Ryan. If you got denied by another company, ditch them and give Ryan at Primary Residential a call. He gets the job done and is available round the clock including weekends and even returned my calls while he was vacationing. The man is, by far, head and shoulders above other professional loan officers. Dont let the others tell you that dream home is unattainable, Ryan gets results."
Reviewed by dunderwood1121
"Ryan and his team made the jntire loan process a breeze. I was so intimidated about it especially since I am a small business owner and I was amazed at how on top of everything they were and also how much work they did for me on their end."
Reviewed by user1562216
"Recently, while performing the sometimes arduous task of searching for a home, I noticed a website for Ryan Sandell's team at NFM lending. My realtor and my friends highly recommended him and his team to help with obtaining a loan. I applied for pre-qualification and Ryan responded almost immediately securing my confidence that the team at NFM would be the way to go. During the sometimes tricky business of undergoing credit checks and supplying financial information, Ryan was there to smooth the way. My dreams of buying a house in Phoenix, Arizona became the reality of pride in home ownership through Ryan and his team. Thank you to all the hard working people at NFM Phoenix, AZ and NFM Linthicum, MD. I highly recommend you with ⭐️⭐️⭐️⭐️⭐️!"