Choosing the Right Loan Originator is Important!
• Your home is your biggest purchase.
• Moving is stressful and involves deadlines.
• The mortgage industry is complex and performance is abysmal.
• Can you believe less than ½ of mortgages close on time!
Choose an experienced, responsive, local professional to help you with the financing of your home!
After 14 years and helping thousands of Central Virginia families through the home buying process, I still have not lost my passion for what I do. I love serving my clients, meeting and listening, guiding through the home buying process, accepting the responsibility for the coordination of all the moving parts in a mortgage (title, attorney, appraisal, insurance, underwriting, contracts, agents, sellers, just to name a few), and closing on time. I come from a teaching and counseling background so I approach mortgages and the process differently than other originators. I listen better, I show more detail, I connect more with what my clients want, and we perform better.
Our clients tell us they want:
Competitive loan terms
Advice as to different loan options
Creativity in listening and offering choices and suggestions
Accuracy in numbers
To make the loan process as least painful as is possible
Someone to pick up the phone and be responsive
To close on time
What our clients don’t know to ask for as they start the process:
Experience: Nothing beats experience. Don’t let your loan be the “Guinea Pig” for a new call center loan officer or rookie. We have been ranked in the top 1% of originators in the United States. We help over 200 families a year with the purchase of their home. Getting a mortgage done right these days is not easy. Trust a pro.
Responsiveness: We work as a team. I work with 4 WONDERFUL loan originators who serve you as a loan partner. This means you get two loan officers instead of just one! Myself and one other team member will be with you from start to finish. This means we answer the phone, coordinate with agents, return emails because you have two licensed loan originators in the know, on your side, and ready to help.
Back Office: Your loan will be originated and processed in Richmond Virginia in our office. We work with only 4 Underwriters so that we know what they want and can create consistency. Your loan partner and processor are top notch and hired by me. I control the flow of the loan which results in a predictable and accountable process.
The Company: NFM Lending is an amazing mortgage company. Yes you may not have heard of NFM but that is a good thing. The bigger the company the more bureaucratic, departmentalized, and slow they become. I know this first hand. NFM is big enough to have excellent loan products and pricing but small enough to be able to get things done and think outside of the box. NFM does NOT work of closing dates, which results in loans being completed and ready to close a week or more prior to the closing date. Underwriting of the file occurs in one to two days and all departments have a service mindset and respond quickly.
Call us or email us. You will feel the difference. If you need a second opinion, need to close your loan quickly after it has fallen apart with another lender, or are just thinking about starting the buying process, we are here to serve you and work hard to create raving fans.
Over ½ of our business comes from satisfied clients referring friends, family and coworkers over to us. Several local builders and top real estate agents trust our team to take care of their clients.
DON’T SETTLE FOR LESS THAN THE BEST. You can have GREAT loan terms and a GREAT mortgage experience. Helping your family buy your next home is a privilege and a responsibility we take seriously.
THE COWART TEAM OF NFM LENDING: A BETTER MORTGAGE EXPERIENCE
Meet the Team
NFM Vs. Them
Choose NFM Lending over a 1-800 call center or big bank for a quick and reliable mortgage experience, and to save yourself some major stress when purchasing your dream home.
Reviewed by Kirby M. K, Midlothian, VA
"We started the process of buying our house with NFM lending with the goal of purchasing our dream house knowing that there may be some hurdles on the way. Greg got us to where we needed to be. His team worked extremely hard for us. Whenever we hit a roadblock in the process, they found a way to get it done. The whole team was easy to work with and very pleasant. I would strongly recommend his team if you are in the market of purchasing a home. You will be glad you did. Thanks for everything "
Reviewed by Jennifer W, North Chesterfield, VA
"We had a great experience with NFM Lending. They gave us personalized attention and customized our loan to meet our needs. They were with us every step of the way and were easy to get a hold of when we had questions. "
Reviewed by Justin C P, Midlothian, VA
"Everyone at NFM has been so friendly and helpful. Candy was always super helpful and understanding of our time constraints any time documents were needed. I would recommend the Cowart to anyone, you guys are the best. "
Reviewed by Marco A L, Chesterfield, VA
"Greg, Aubriel, Alexxis and Candy were patient, friendly and readily available every time we reached out to them with any questions we had. Throughout the loan process, their kind demeanor felt like they literally held our hands as we worked with improving our credit, put our house on the market and simultaneously had our new forever house built. We are currently in our dream home and NFM Lending was a major factor in helping us get to where we are today. Thank you, MV Lara"
Reviewed by Daniel W L, Midlothian, VA
"Outstanding service! Very knowledgeable and professional, felt comfortable throughout the entire process. Highly recommended!"
Reviewed by Kelly S, North Chesterfield, VA
"It was easy from start to finish. Closed on time!"
Reviewed by Stephen B, Richmond, VA
"Both Greg and Jesse were great to work with. The whole group was very professional and were there for us every step of the process—answering questions, providing updates and making certain things went smoothly. This was our second experience with them and we highly recommend the NFM Lending team!"
Reviewed by Noosheen K, Bedford, VA
"I reached out to Briana on a whim to see if I would qualify for a home loan. To my surprise, I did! Jesse and Mandy did an amazing job making sure I knew where we were in the process and what was coming next. They explained every aspect so I fully understood what was going on. Greg was wonderful with taking my calls whenever to ensure that I had nothing to worry about. Y'all are amazing!!!!!!!!"
Reviewed by Keivon D H, Chester, VA
"This was my first home buying experience and NMF lending made it a great one. They made themselves available and were very knowledgeable about there work. Couldn’t have had better customer service. Thank you. "
Reviewed by Daniel E, Richmond, VA
"As a first home buyer, we didn't know what we were in for but they made it really easy for us. They worked with us and helped us get the best rate that is ideal for our family. "
Reviewed by Monica D, Richmond, VA
"I signed a contract to have a new home built by StyleCraft Homes in Nov 2017. NFM Lending is their preferred lender. I had no idea this would be such a Blessing to me. Greg and his staff, Alexxis and Candy at NFM Lending are truly AMAZING. During the past 4yrs I went thru financial challenges, with all of them being overcome within the last 18mths. Even still, I was extremely nervous and unsure if the NFM Team could get me to the settlement table. They got the job done, Thank You. "
Reviewed by Jennifer A, South Chesterfield, VA
"Alexxis was great at explaining the whole process to us and answering any questions we had. She was always available and did everything she could to make the process smooth and easy."
Reviewed by Ahmad S, Henrico, VA
"This is my second home buying through NFM lending. They have displayed professionalism and respect as usual and walked my through the whole process step by step. They were listening to your questions and came back with very detail and informative response. Overall very happy to have worked with them "
Reviewed by Marie C, Richmond, VA
"Greg Cowart is a master in his field. Reliable, stays in close contact, answers his phone. Greg gets it done. I would highly recommend him, and his entire team."
Reviewed by Jennifer K P, North Chesterfield, VA
"Before our first meeting with NFM Lending, we thought the home-buying process would likely be drawn out and full of obstacles. I truly believe that nobody else could have gotten us into our dream home in 30 days. Greg and his team did a fantastic job guiding us through the process and moving everything along on time. We would recommend him highly to anyone looking to buy a home."
Reviewed by Jeffrey S W, Henrico, VA
"All the individuals I worked with were GREAT! I was a tad bit frustrated with the underwriting process. I felt the request for additional clarifying and supporting documentation wasn’t always timely and seemed a little knit picky. Other than that, great experience!"
Reviewed by Alexander T C, Richmond, VA
"Greg and his team are extremely knowledgeable and experienced. They did a fantastic job keeping us informed and comfortable throughout the purchase of our first home, and we were doing all of this from Korea, without even being physically present. I can’t recommend them highly enough. "
Reviewed by Katherine G K, Glen Allen, VA
"Very good at helping me identify goals & what I wanted the end result to be in my transaction. Took the time to explain things to me in a clear and easy to follow manner. Kept me updated on my loan status (through emails & phone calls). Everybody was both personable and professional in their interactions with me."
Reviewed by Bryan K P, North Chesterfield, VA
"Greg (and team) were very concise and made it very easy for us to understand the loan process. At every step we knew exactly what NFM needed from us, we knew what step of the process we were in and what step was next. Along with giving clear instructions, Greg, Alexxis, and Jennifer followed up often to see if we were on the right track and if we needed assistance. Everyone was very professional, yet friendly, and it felt as if each person on the team felt personally vested in the loan."
Reviewed by John H L, Richmond, VA
"Great to have a team in your corner during a stressful move!"
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.
Branch Manager/Loan Originator