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 John W, Upper Marlboro, MD
"It was one for the ages. Getting paper work finding items paying off credit report. Over all they were great kept me informed throughout the process. Thank you all from my family and I."
Reviewed by MADELINE J, Waldorf, MD
"All around good team, I would recommend them to any one that is looking to buy a home, they make it work for you. "
Reviewed by Vanessa M, Clinton, MD
"they were very friendly and has very helpful to a first time home buyer I appreciate Craig and Valeria for all their help through my whole process thank you very much for everything "
Reviewed by kai gantt
"I was looking to purchase my first home and quickly. After working with Promised Land Realty, I found the home I wanted and I was ready to begin the process of acquiring the home. We first tried another lender and it was a horrible experience and he had no experience with the Triple Play Program I needed to get the home. However we had another ace in our pocket in Craig. After one call to him not only did he process and get started what I needed to be able to write a contract that same day he made me feel so at ease. He pretty much expressed that everything was going to be okay and it was. From then on between dealing with the realtor at Promised Land, Cam and Valerie with NLM it was smooth sailing. And for someone in my position who was trying to hurry up, this was a dream. Not only was Craig knowledgeable he had already successfully gotten others through the program I was trying to use, so I felt confident in his ability. He and Valerie stayed on top of everything!!! I never wondered where I was in the process. There was always constant contact and follow up. I would recommend Craig to everyone I know who would benefit from his service. The professionalism, personable nature, and knowledge that I received was amazing and invaluable. He even checked up on me after closing!!"
Reviewed by 42crystalr
"OMG! I was so fortunate to have had the BEST "Crystal Team", I call them. Them meaning my realtor and my mortgage loan officer, Craig Kam. I was spoiled with constant feedback and open communication from a true professional, an expert or as we call them in the government SME (subject matter expert). I was so nervous about the homebuying process. I had a million questions and didn't even think that my brain could absorb all the mortgage lending/research/rates information. That alone had my head spinning; I had not even began to focus on looking for a nice house to meet my family needs. Then my realtor introduced me to Craig Kam - that was the day I actually exhaled and began to really get excited about finding "my" house. Craig made me feel relaxed. He collected my information, responded back very quickly and had me smiling through my whole process. He kept me informed, kept constant communication going, helped me make the best choice of loan type to fit my budget, he even called the night before my closing day to see if I was ok and/or had any last minutes questions. He is the best! He made me and my family happy. I recommend Craig Kam with the utmost confidence that he will provide the best mortgage lending services. Thank you, Craig!!"
Reviewed by crystal alston
"Extremely knowledgeable, professional, friendly and easy to work with. Very impressive, smooth process. Immediately responsive to every question and concern. I would recommend his team of professionals to Anyone! Thanks Craig!!"