Thank you for visiting my website for your mortgage needs. I hope you find the mortgage tools and products useful in your search.
As a seasoned mortgage professional, with over 20 years of experience, I have joined the NFM Lending team with GREAT ENTHUSIASM!
Over the years, I have gained valuable mortgage experience from being an “eager” credit manager for a national company in Annapolis, Maryland to managing a successful mortgage broker shop in Bowie, Maryland. I have also been able to broaden my mortgage spectrum by spending several years underwriting and soliciting mortgage products as an account representative.
With the mortgage industry being recently revamped to serve the clients better, I have reconfirmed my commitment to excellence. I have maintained all the licensing and continuing education requirements to serve clients in both Maryland and the District of Columbia.
As a native Washingtonian, I have been afforded the opportunity to cultivate many lasting relationships with clients, realtors, appraisers and title attorneys. These relationships keep me wanting to provide and ensure the best possible service in an industry that can help you achieve and maintain your “AMERICAN DREAM”.
Please feel free to contact me at the information provided and THANK YOU for the opportunity to assist with your mortgage needs!
Reviewed by DELORES A, Upper Marlboro, MD
"Ernest know his job and I enjoy working with him."
Reviewed by JOHN A, Upper Marlboro, MD
"They made the experience of buying my first home exciting & easy. Very knowledgeable & detail information of the process. "
Reviewed by ZANILE E, Owings Mills, MD
"Ernest Spriggs kept me calm and encouraged through this stressful process. He made it a point to keep me informed at every step of the process. He made sure I knew what information he needed and made sure I had all my information up to date. He was very efficient and easy to work with. I can't find enough words to thank him for all his help. "
Reviewed by ROSEMARY M, Baltimore, MD
"Great teamwork and coordination. "
Reviewed by CARLOS M, Baltimore, MD
"He made everything easy and very detailed about everything "
Reviewed by TANEKA M, Baltimore, MD
"My experience was great! Ernest explained everything kept in great contact and made this experience memorable and as easy as possible. Home buying is not an easy task but Ernest made it as pleasant as it could get!"
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.
Ernest Wendell Spriggs
Mortgage Loan Originator