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 CARLA M, Baltimore, MD
"Professional, pleasant and extremely patient."
Reviewed by Juan E, Baltimore, MD
"Great experience "
Reviewed by JOYCE B, Waldorf, MD
"My process was very smooth from day one to the final day of closing. Communication was outstanding, , clear and understanding with all questions answered. Educated along the way also. I really felt the pride of providing an extraordinary Service to me as a client. I would refer my family and friends NFM Craig Kam. I thank you all for the high five services that was provided to me."
Reviewed by Timothy B, Accokeek, MD
"Craig worked on our behalf from the very beginning of our homebuying process. He responded to all text messages and was easily accessible. His team was professional and kept me informed during every stage of the loan process. My wife and I are happy that we went with NFM Lending!"
Reviewed by DAMON G, Bryans Road, MD
"Working with you Craig Kam and Valerie Gordish was a pleasure! At times when I was a little frustrating you both kept us calm with your knowledge and professionalism. We thank you both for that. We appreciated being informed every step of the way."
Reviewed by JOSEPH T, Germantown, MD
"I was introduced to Mr. Craig Kam by a coworker after sharing my interest finding a home. My coworker asked, “do you have a loan officer?” I said ‘No’. “Call Craig Kam at NFM Lending, he’ll take care of you”. I called Mr. Kam and explained my interest to buying home. Mr. Kam replied, “forward me documents A, B, C and we’ll see what we can do for you”. After I sent all the necessary documents, he sent me a pre-qualification letter and introduced me to special realtor, (Mrs. Shaunte’ Parker) and "