Scott Morris
Scott Morris

Scott Morris

Mortgage Loan Originator | NMLS# 1802398 Apply Now Upload Docs Returning Applicant 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!




Dec 2019

Reviewed by Drema C, Chester, VA

"The experience of working with Scott at NFM lending was great!"


Nov 2019

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."


Nov 2019

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"


Sep 2019

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 ."


Nov 2019

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."


Oct 2019

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 !(: "

Loan Tools

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


How to Find the Right Real Estate Agent

If you’re ready to sell or buy a home, you will need a competent real estate agent to guide you through the process. With so many agents out there, how do you know which one will be the best for you? Much like dating, you may have to try out different people to find an agent who “clicks” wi…
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Letters from Soldiers 2019

Letters from Soldiers (Troop Drive 2019)

Since our 12th annual Support Our Troops Drive in 2019, we’ve received great letters from soldiers stationed around the world. In November, we sent 250 care packages to 125 groups of soldiers. Today, we continue to send 4 care packages every month as a small way to show our troops how mu…
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Danny Austin

NFM Lending salutes Danny Austin

LINTHICUM, MD, January 2, 2020— NFM Lending is pleased to honor Sergeant Danny Austin as the NFM Salute for January 2020. Danny served in the U.S. Air Force from 1969 to 1981. He served three tours in Vietnam, treating wounded soldiers as a Rescue Medic. For his own peace of mind and to avoid h…
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Resolutions for the Home Seller

New Year’s Resolutions for the Home Seller

New Year’s is an ideal time to make resolutions to hit the gym, eat healthier, and make better choices. For many homeowners, the process of making their home marketable can feel overwhelming, and the prep stage often gets put on the backburner. Why not resolve to make 2020 the year to get your …
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Contact Me

Scott Morris

Scott Morris

Mortgage Loan Originator


State NMLS:
VA# MLO-39703VA

540-829-0030 x232



19373 Carpenters Branch Road, Brandy Station, VA 22714

Ready to get started or have any loan questions? Contact me at 540-829-0030 x232 or or submit the form below and I will call you.

Contact Me

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