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 Todd E, Silver Spring, MD
"Very professional and easy to work with. "
Reviewed by Alfred J, Prince Frederick, MD
"It was a great experience working with Roger Dennis and his team at NFM Lending. From the start Roger heard our concerns and came up with the plans to get us where we wanted to be with our mortgage. In fact it ended up better than original plan! Thanks Roger! We are extremely happy with everyone from Roger’s team, they always kept us informed and up to date on every task that was needed and upcoming. We appreciate all there hard work and can’t thank them enough on a well done! Al and Kim "
Reviewed by Jonathan S, Montgomery Village, MD
"Roger always communicated everything we needed to know and answered any questions, he was very helpful and made the process a lot better than we anticipated. He was vital to this process!"
Reviewed by Cristina R, Washington, DC
"Thanks for everything!"
Reviewed by Celia A, Woodbridge, VA
"Worked with Roger for a second time and was not disappointed. The first time I worked with him was to purchase my house and now he has helped with the refinance. Everything went smoothly and minimal effort on my end. Thanks for everything!"
Reviewed by Randall L, Washington, DC
"Very personable and great service. Highly recommended for all lending services!"
NFM Branch MD313
1610 West Street Suite 108 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.