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 Kristal T, Pasadena, MD
"Wonderful experience working with Ryan. Smooth and easy process from the comfort of our home. All answers were answered in a timely manner, in language that we could understand. Ryan took care of everything for us. He was honest and knowledgeable in all areas of our refinance. He provided his recommendations backed with solid numbers and information. This process was a breeze and I would gladly refer other to work with Ryan."
Reviewed by Michael D, Severna Park, MD
"It was an easy and smooth process. Very pleasant experience. "
Reviewed by Susan L, Perry Hall, MD
" Overall great experience! This is my third time working with Ryan. He is always very helpful and efficient. Have already recommended him to several friends."
Reviewed by Kristopher G, Queenstown, MD
"Ryan was able to give us a clear picture from the beginning on how our new loan would help us save money, lower our rate, and put us in a better position financially. The process was quick and painless with most of the paperwork being virtual. We are saving over $500 a month with our new loan, and we probably wouldn't have done it if Ryan wasn't able to paint a perfect picture of this from the beginning. Thank you Ryan and team!"
Reviewed by Deborah J, Chester, MD
"Ryan is by far the most knowledgeable and honest person we have ever had the pleasure of dealing with. He answers any and all questions and makes himself available throughout the whole process. We would highly recommend him to anyone! NFM should be proud to have Ryan!!"
Reviewed by Walter G, Chester, MD
"Ryan George is a very detailed, conscientious, pleasant person to work with-NFM should be proud to have him!! "
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.