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 Andrew J, Woodbine, MD
"Great communication and everything was completed on time with no issues."
Reviewed by Zugell J, Woodbine, MD
"Always a pleasant experience! Ryan and his team are on top of it and make purchasing a home smooth and seamless."
Reviewed by DIANA M, Baltimore, MD
"You and Jim work together and the two of you handled all aspects of our loan. Thank you!"
Reviewed by Jennifer H, Federalsburg, MD
"The entire process, from start to finish, with Ryan and the team at NFM Lending was amazing! They made a usually stressful process, completely stress free! it was quick, efficient, they communicated perfectly throughout the entire process. I can't recommend them highly enough!"
Reviewed by Alexis S, Columbia, MD
"Worked with Ryan before! Always a smooth pleasant experience and have referred him to others who couldn’t agree more! "
Reviewed by Joseph F, Centreville, MD
"This was the 3rd time we used Ryan over the years. He has helped us through tremendously and always looks for your best interest. He makes things possible with ease. Thanks again Ryan! "
NFM Branch MD268
1190 Winterson Road Suites 130 & 180 Linthicum, MD 21090
Ready to get started or have any loan questions? Contact me at or or submit the form below and I will call you.