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 Drema C, Chester, VA
"The experience of working with Scott at NFM lending was great!"
Reviewed by Vincent G, Culpeper, VA
"Great experience i felt like we where long time friend's working on a big project together communication was excellent."
Reviewed by David N, Culpeper, VA
"Scott was incredibly helpful through my entire home buying process. Soo knowledgeable and helped I’m on how to save me money and getting me the best rate possible. I wouldn’t have my house today if it wasn’t for scott"
Reviewed by Juan P, Culpeper, VA
"Scott Morris fue una parte principal ala hora de comprar nuestra casa tomamos una Buena decision al buscar su ayuda, estubo al pendiente de nosotros en todo el transcurso de la compra de la casa ,si tuvieramos la oportunidad de volver a comprar en un futuro otra casa sin duda que volveria a buscar de su ayuda y lo recomendaria con mis amigos sin dudarlo ."
Reviewed by Robert M, Salem, VA
"The overall experience I think was very smooth. Scott was pleasant to work with and made sure everything was convenient as possible for me and my wife. I would definitely use them in the future."
Reviewed by Benjamin S, Cumberland, VA
"My fiance and I worked with Scott to get our first home loan. We had little knowledge of the home buying process and scott was very helpful and responsive. We contacted scott about a property we wanted and within a short period of time we had a closing date set. The process was very smooth. We will be using nfm for any future loans and I'd encourage others to work with Scott. We were treated like family !(: "
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