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 Stephanie S, Glen Allen, VA
"As a first time home buyer, I was clueless to the home buying process. Greg and his team could not have made the lending side any easier or relatable. They truly have your best interests in mind! "
Reviewed by Joyce P, Moseley, VA
"When I was initially put in touch with Greg Cowart I was told that he would call at 4pm the following day. Promptly at 4 my phone rang. Subsequent calls after were all as promised. Greg was very clear from the beginning with what was needed and how we would reach the anticipated results. Greg and Alexxis were always there for us. They let us know timely the next steps. Candy joined the team in the process and was equally efficient. Can't express enough how pleased we were with the Cowart Team!"
Reviewed by William P, Richmond, VA
"It was great. I think the inherent stress of getting a loan makes the work hard on all parties. I'm glad that Greg and his team embrace that emotional aspect and take time to address it during the process. "
Reviewed by Dorothy W, Powhatan, VA
"Great process! I already knew Greg and Alexxis were great- but it was also fantastic to work with Mandy. "
Reviewed by Rudolph R, Moseley, VA
"Greg, Alexxis, Candy and the team were very professional and personable through the process. They were responsive to our concerns and understood our needs. We would highly recommend them to our friends who may need a home loan. Rudy and Rachel Randall"
Reviewed by Moises M, Richmond, VA
"Working with your team lessen our worry being the first timer in applying a housing loan. Your team guide us in everything we need to do from the time we apply until we successfully close the loan."