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 Heather K, Damascus, MD
"The team is fast and efficient. They were so on top of it that I felt like they were often waiting on me, never the other way around! I also appreciate always knowing where we were in the process and what was happening."
Reviewed by Melissa S, BALTIMORE, MD
"Brian was great! The process was so much easier than I could have wished for. There wasnât anything he wouldnât do to make me feel comfortable. I highly recommend NFM Lending and more specific Bryan Raiford and his team."
Reviewed by James K, Damascus, MD
"Everybody on the team was extremely helpful. There was never any question about where we were in the loan process. Communication was excellent and my wife and I always felt very informed. "
Reviewed by Bradley R, Middletown, MD
"Bryan and his team were amazing. They were very prompt, communicative and transparent through the entire process. They were also flexible when changes had to be made and still met all of the deadlines."
Reviewed by Rachel B, Sharpsburg, MD
"Our experience was great. At closing we found out that things were tight and had to be rushed in order to make it to our settlement date. Bryan and his team were great in pushing our paperwork thru so we could make it to our settlement date. "
Reviewed by Maxine A, Fort Washington, MD
"I received great service from everyone I had the pleasure of working with at NFM Lending everyone was very knowledgeable and professional I was updated on each step of this process I will refer my family and friends who are trying to purchase a home they made my first time purchasing a home such a great experience."
NFM Branch MD265
10632 Little Patuxent Parkway, Suite 333 Columbia, MD 21044