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!
Reviewed by Brian J, Sykesville, MD
"Bryan and Val were very knowledgeable and accessible throughout the process"
Reviewed by Kari N, Frederick, MD
"Bryan was great about giving me a call or sending an email as soon as I had any questions or needed clarification. He made the process very easy-going for me."
Reviewed by John C, Columbia, MD
"Bryan is a pillar of the mortgage industry in the columbia, md community. His advice and council on our needs was impressive."
Reviewed by Gloria E, Brunswick, MD
"I put a contract on a house during the COVID-19 pandemic. Things were very chaotic but Bryan and his team were there with me every step of the way. They answered my unending questions without blinking an eye. I closed within 5 weeks of putting an offer in and wouldn't be in my dream home now without the hard work and dedication of Bryan Raiford."
Reviewed by Ronald L, Hagerstown, MD
"I applied. They gave me my numbers and even with everything going on in todays environment. We closed in a timely manner. "
Reviewed by Jason B, Frederick, MD
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 considering refinancing 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.
Ready to get started or have any loan questions? Contact me at 443-917-2783 or firstname.lastname@example.org or submit the form below and I will call you.