NFM Branch Ashland, VA

100 England Street #101, Ashland, VA 23005 | NMLS# 1590593 Apply Now Contact

About Us

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!

Loan Tools

Here are some useful links to get you started in the loan process.



Jan 2018

Reviewed by Mary D, North Chesterfield, VA

"Very smooth, easy process. Joni took the time to get to know me and what I needed to purchase a home."


Dec 2017

Reviewed by William B, Mechanicsville, VA

"On my phone too long to type."


Dec 2017

Reviewed by Derek F, North Chesterfield, VA

"Joni was great at explaining the entire process and guided us through all the documentation we needed to provide and sign. Our entire family greatly appreciated her prompt responses and her guidance. It seemed all relatively effortless on my end."


Dec 2017

Reviewed by Rose O, Richmond, VA

"Joni's professional knowledge and realistic approach enabled us to work through a couple of wrinkles quickly and to my great satisfaction. The response time from Joni and her team are, in my many years of moving, unequaled."


Nov 2017

Reviewed by Tanner R, Aylett, VA

"I had a great experience working with Joni. She kept me informed 24/7 on everything that was going on throughout the process. It really made it a painless experience."


Nov 2017

Reviewed by Courtney S, Richmond, VA

"It was such a great experience. We always knew what was going on and they were very concise about what they needed from us so that there was no confusion. Would absolutely recommend Joni and her team to anyone looking to buy a home! "



NFM Lending opens new branch in Charlotte, NC

LINTHICUM, MD., January 16, 2018 — NFM Lending is pleased to announce the opening of a new branch in Charlotte, North Carolina. The branch is located at 2015 Ayrsley Town Blvd, Suite 202, Charlotte, NC 28273. The NFM Lending branch will focus its lending platform throughout the Charlotte metrop…
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Quiz: Do You Know Your Mortgage Terms?

See how many mortgage terms and definitions you can match!

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Correspondence from Troops (Troop Drive 2017)

Since our 10th Annual Support Our Troops Drive in 2017, we have received some great correspondence from some of the U.S. troop members stationed around the world. In December, we sent 200 care packages to 100 groups of soldiers. Today, we continue to send 4 care packages every month as a small wa…
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NFM Lending Salutes Sgt. Paul E. Ralston, Jr.

LINTHICUM, MD, January 2, 2018— NFM Lending is pleased to honor Sergeant (Sgt) Paul E. Ralston, Jr. as the NFM Salute for January 2018. After high school graduation in 1963, Ralston voluntarily enlisted into the United States Marine Corps, where he served from 1963-1967. He was immediately depl…
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Contact Me

NFM Branch VA318B



Toll Free:



100 England Street #101, Ashland, VA 23005

Ready to get started or have any loan questions? Contact me at or or submit the form below and I will call you.

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