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 Charles S, Hagerstown, MD
"Everything was fantastic, from the start to the end."
Reviewed by Kenneth S, Jefferson, MD
"Great experience with NFM Lending. Being a first time home buyer, NFM was very patient and answered any and every question I had making me feel more comfortable and confident throughout the whole process."
Reviewed by Veronica J, Millersville, MD
"Bryan Raiford and his team made my experience as a first time home buyer seamless and pleasant."
Reviewed by Cassandra B, Frederick, MD
"Bryan was amazing through the entire process. He worked really hard to make sure we got the numbers we wanted and even made sure we were able to close early! No matter how many questions we had, or how many houses we asked him to run numbers on he was available and so informative! We would recommend him to anyone who is looking to buy a home! "
Reviewed by Bradley J
Reviewed by David W, Adamstown, MD
"Bryan and his team worked quick and kept things moving to ensure our loan was ready by closing day. Everything was very clear and easy to get done throughout the loan process which can many times be a daunting process, but it was not with Bryan and NFM! "
NFM Branch MD265
10632 Little Patuxent Parkway, Suite 333 Columbia, MD 21044