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 Courtney C, Bryans Road, MD
"Mike was so patient and knowledgeable! Always took my Calls regardless of the time and offered suggestions on how to move us forward without being pushy. I would recommend him 10x over. "
Reviewed by Michelot E, Salisbury, MD
""I had such a great experience with NFM Lending, and working with Michael was so great. HE is so nice and knowledgeable, everything was so quick and the experience of purchasing my first home went so smoothly. I’m so thankful! ""
Reviewed by Adam A, Annapolis, MD
"The automation NFM Lending uses (i.e. e-signatures, uploading forms, etc.) is first rate and access to Mike Lynch, in our experience, is unprecedented in the banking world. Mike was super responsive to all of our questions and provided all of the necessary guidance and direction we needed to easily refi our home. We are NFM Lending customers for life. "
Reviewed by Simeon T, Baltimore, MD
"Worked with Michael Lynch on my Refinance and the process was a breeze. Throughout the process , Michael was thorough and very responsive to my needs. I will definitely work with NFM in the future."
Reviewed by Simeon K, Silver Spring, MD
"Mike was very understanding and took time to explain every step of the lending process. He was also creative and flexible in helping us meet our goals. "
Reviewed by Glorine J, Suitland, MD
"It was a pleasure working with everyone at your company and I want to say thanks "
NFM Branch MD284
2525 Riva Road, Suite 140, Annapolis, MD 21401
Ready to get started or have any loan questions? Contact me at or or submit the form below and I will call you.