Craig Kam
Craig Kam

Craig Kam

Branch Manager | NMLS# 146561 Apply Now Contact


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!


National Mortgage News Award National Mortgage News Award National Mortgage News Award

NFM's W2 Programs

Are you or your customers tired of all of the paperwork required when applying for a mortgage loan? So are we, so NFM Lending has a solution! We have a new “Keep It Simple Loan” for W2 earners.

To learn more, please call me at 443-917-2782 or at



Jul 2018

Reviewed by DELVIN G, Waldorf, MD

"Great team! "


Jun 2018

Reviewed by MARCELL W, Temple Hills, MD

"Thank you Craig! For communicating from the beginning to end"


Jun 2018

Reviewed by TERUKO G, Waldorf, MD

"Mr. Kam and his team are very patient, very professional, and provide outstanding knowledge in every question that is asked. I would recommend Mr. Kam and his team to any and everyone I come across! I knew from the 1st conversation that I had with Mr. Kam that I was in good hands. What a dynamic team!!!"


Apr 2018

Reviewed by WILLIAM K, Dunkirk, MD

"The process that most speak of being extremely stressful went very smoothly and allowed my wife and myself to enjoy the purchasing of our first home."


May 2018

Reviewed by INDRIA B, Bowie, MD

"Craig was awesome. He worked very hard to make this possible."


May 2018

Reviewed by Shandale H, Hyattsville, MD

"It was a real good journey because they helped every step of the way. "

Loan Tools

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


What is a G-Fee?

What is a G-Fee and what does it have to do with my interest rate?

As you move through the homebuying process and have to choose a mortgage, each option will present an interest rate. This rate determines how much you must repay the lender as a part of your monthly mortgage payment. While you might be familiar with interest rates, there is probably a component o…
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Catherine L. Clapp

NFM Lending salutes Catherine L. Clapp, USN, Retired

LINTHICUM, MD, July 2, 2018— NFM Lending is pleased to honor Personnelman First Class Catherine L. Clapp, USN, Retired, as the NFM Salute for July 2018. Following family tradition and looking to gain work experience, PN1 Clapp joined the Navy right out of high school, serving from 1979 to 1999.…
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Top Workplace Washington 2018

NFM Lending Named a Top Workplace in the Washington, D.C. Area for 2018

LINTHICUM, MD, June 22, 2018 — NFM Lending is pleased to announce that it has been ranked a 2018 Top Workplace in the Washington, D.C. area by the Washington Post. This is the fourth consecutive year that NFM Lending has received this award.  NFM Lending received the award at a ceremony held T…
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8 Steps to a 203k Rehab Loan

When house-hunting for your new home, you might discover one that would be perfect for you but needs a bit of TLC. Don’t worry! An FHA 203k rehab loan is there to make your dreams of homeownership come true. This loan allows you to borrow both what you need to purchase the home and what you…
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Contact Me

Craig Kam

Craig Kam

Branch Manager



Toll Free:



8311 Wisconsin Avenue, Unit B-10, Bethesda, MD 20814

Ready to get started or have any loan questions? Contact me at 443-917-2782 or or submit the form below and I will call you.

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