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 John L, Culpeper, VA
"Scott was great to work with. Very efficient and knowledgeable"
Reviewed by Taylor K, Amissville, VA
"Scott was very knowledgeable and was always more than willing to explain things or answer any questions we had. When we had questions or information that needed processed, Scott went above and beyond our expectations for time to get back to us as quickly as possible. We felt as though we were the only customer he was working with, although his work load was probably much much more. We will highly recommend Scott to friends and family. "
Reviewed by Caroline E, Amissville, VA
"Scott was AWESOME to work with! Being first time home buyers we had many questions and Scott was always very informative and very quick to respond. We always felt that we were the only customers he was working with, even though we knew he was extremely busy. We would absolutely recommend Scott to anyone looking to purchase a home."
Reviewed by Tara M, Palmyra, VA
"As first time homebuyers, the homebuying process completely overwhelmed us. Scott’s positive demeanor provided us with a sense of calm whilst he and team worked behind the scenes of the lending process communicating every step of the way. After interacting with three loan originators prior to working with Scott, we couldn’t be more pleased with our decision and outcome! We’d welcome another opportunity to work with Scott and NFM Lending in the future! "
Reviewed by Sandra L, Mineral, VA
"Scott was amazing. He was super communicative and didnt waste any time letting me know exactly what he needed and at what step in the process I was. He was thoughtful and helpful and answered all of my questions no matter what time of day I called him! He got me to closing in record time (12 days) and was such a joy to work with. He always has a positive attitude and is very knowledgeable. I trust him and would recommend him to my family, friends and co-workers! He is great!"
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