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 Chad C, Rockingham, VA
"Ben and his team are great and very responsive. I've worked with them on numerous occasions. In fact, we even left town and still reached back out to Ben and his team. He is always patient and good at coming up with scenarios that best meet our needs. Highly recommended!"
Reviewed by Tamara M, Henrico, VA
"Kind, informative and very pleasant to work with! They don't mind breaking things down to first time home buyers and that was very important to me. Great team!"
Reviewed by Karen E, Henrico, VA
"I have purchased 2 homes through Ben and his team, and most recently did a refinance with them. Communication is top notch through the entire process, and we were informed of each step along the way before we even thought about what would be next. They are extremely professional, efficient, and thorough. I recommend Ben Burkett and his team 100%! "
Reviewed by Barbora L, Mechanicsville, VA
"Working with NFM Lending team was amazing - the whole process was simple, stress free and surprisingly enjoyable. We worked with Ben, Jonathan and Kristian and they all did such a tremendous job ! What was the most important for us was the level of communication - step by step we were informed about the status of our loan, we did not have reach out to anyone, Jonathan called with every little update which we valued the most. They really did hold our hands, what a service! "
Reviewed by Ryan A
"Ben Burkett and his entire team went out of there way to make it a smooth process. Everyone was friendly and very professional. Ben checked in every week to make sure I was taken care of. This is my second mortgage with Ben Burkett and he is the reason why I will always go to him and refer everyone I know to him. "
Reviewed by Wendy J
"NFM Lending worked as a great team, calling me at least once a week and updating me about my loan process and what next steps I needed to take. The online portal made it easy for me to upload and e-sign documents without having to actually travel to the office."