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 Donna L, Locust Grove, VA
Reviewed by Lonnie E, Henrico, VA
"Scott was focused on helping me when I needed anything. He traveled to me when there were documents I had questions about. Without his invlovment I would not have closed on time. He went above my expectations would highly recommend. "
Reviewed by Elizabeth H, Fredericksburg, VA
"Scott was wonderful. He knows the loan process cold and he's calm and diligent. If I had a question or problem Scott was just a phone call away. He avoided delays by asking questions on the information I submitted. I'm not computer savvy at all so He even came to my work place, at my convenience, to help me access information in the proper format so it could be sent that afternoon. I would request him to handle a loan again and will recommend him to friends."
Reviewed by Stephen N, Spotsylvania, VA
"Scott was great to work with. He was helpful, knowledgeable, professional, and readily available any time of day. He seems to genuinely care about the client. He Went out of his way to make the process as smooth and painless as possible."
Reviewed by Ian C, Charlottesville, VA
"Scott did a great job. I needed things done efficiently and he more than impressed. Would recommend him to anyone who asked."
Reviewed by Sherri S, Fredericksburg, VA
"I had the best experience with Scott! I’m a first time home buyer so he went over everything in “simple “ terms! He went out of his way on multiple occasions to help me with getting paperwork and making sure it went to the right people! Scott was very easy going and made the experience for me awesome!! I would highly recommend him. "
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.
Mortgage Loan Originator