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 Jennifer Bowser G, Silver Spring, MD
"Craig is very knowledgeable, personable and accessible. He gives more personalized service. I was in a situation with a loan that was way over my head economically, and he was respectful, realistic, and useful in getting me in a much better direction. I would highly recommend him."
Reviewed by LISA K, Waldorf, MD
"Craig Kam and his team was amazing, they made my home buying process smooth and easy."
Reviewed by MICHAEL E, Waldorf, MD
"From the beginning of our homebuying process Craig was there every step of the way. My wife and I are first time homebuyers and had alot of questions about the process. If we needed any help at all Craig furnished us with every piece of knowledge that he had. He also sent videos explaining some of what to expect in the process. Carig was A1 from Day 1 and we appreciate him so much."
Reviewed by MARCUS RANDLE J, Waldorf, MD
"We would like to truly thank you and your staff for all your hard work and dedication with getting my loan approved. Words can't express the level of gratitude and appreciation. "
Reviewed by Andrei B, Alexandria, VA
Reviewed by KENYA J, Centreville, VA
"Very thorough. Provide guidance that gave me clarity, direction and put me at ease when I was nervous. Excellent follow up and follow through. Very friendly. Good energy. Caring. Love the step process videos I received; sooooo cute and clever!!!!"