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
Reviewed by Tyree M, Richmond, VA
"Very helpful, very professional. Would highly recommend."
Reviewed by Kenneth W, Sandy Hook, VA
"Everyone we worked with was great. We had a complicated transaction that went smoothly thanks to Greg and his team. A+ job all around. "
Reviewed by Thomas R, Moseley, VA
"Communication was great from first contact thru closing. Walked me thru every step of the process and advised me as to what I could do to get maximum benefit on credit score. My experience with NFM was a positive one."
Reviewed by Daniel W, Richmond, VA
"I had a great experience with the entire staff and their services for gaining my first home loan. "
Reviewed by Joseph F, Newport News, VA
"Greg's team were awesome to work with! Highly recommend them!"
Reviewed by John A, Mechanicsville, VA
"Greg and his team treated us as though we were their only client. We always recieved a call back, text or email within minutes of reaching out. They got us a great rate and even walked us through a very difficult situation that arose. They are the best and we will not hesitate to use his team again in the future should the need arise.. Thanks again, Greg (and the whole NFM team), you all made this a smooth and easy transaction. By the way, we're love our new home..."
Reviewed by Jordan G, Mechanicsville, VA
"This our second time using Greg and his team! They are always a dream to work with! I was much more laid back this go around than with buying our first home (all the nerves 😂) - probably because I trusted them and the process more - it was seriously a breeze! Trust the professionals - they know what they’re doing! Will for sure use them in the future! They will get you closed on time and do all of the hard stuff for you! Thank you all so much! We closed yesterday and couldn’t be happier! 😊 "
Reviewed by Eduardo M, Henrico, VA
"Very professional people who are dedicated to make your dream come true. I highly recommend this organization and everybody else."
Reviewed by Vasyl A, Richmond, VA
"Great experience second time around! "
Reviewed by Jennifer G, Richmond, VA
"Greg and his team make the process so easy that you actually enjoy the process of buying a home! I can't recommend them high enough!"
Reviewed by Stephanie N, Glen Allen, VA
"I worked with Alexxis primarily and she was awesome! She took the time to explain each step and met with me to determine what my best options would be. She made me feel comfortable with the whole process and her time and knowledge were greatly appreciated!!"
Reviewed by Justin C, Henrico, VA
"Greg and his team were very professional and responsive. I couldn’t imagine working with anyone else and I look forward to working with them on my next purchase. "
Reviewed by Robert C, Richmond, VA
"From beginning to end, the NFM Team helped me wade the refinance swamp; and without their help I would have been lost. Jesse, professional in every sense, answered all of my questions along the way, and expertly guided me to closure. "
Reviewed by Selmira A, Henrico, VA
"Greg and his team were so great to work with! We never felt like we were being left out of the process. We appreciate all of the time they took to ensure that we were informed about the loan origination process. "
Reviewed by Sierra R, Midlothian, VA
"I am a first time home owner and everyone from Greg Cowart's team was knowledgeable and broke it down for me. They keep me informed during every stage to make the process extremely smooth."
Reviewed by Marcus D, North Chesterfield, VA
"Greg did a great job personalizing my home loan to meet my top criteria. He and his team were also very helpful guiding a clueless first time buyer like myself through the process."
Reviewed by Katrina T, Midlothian, VA
"I can't express the gratitude I had during and throughout my home buying process. I'm a first time homebuyer, who was utterly afraid and unprepared, however Greg and Alexxis walked me through it with gentle hands, great instruction and an overwhelming kindness! From the beginning with honest conversation of "what I wanted and what I really could afford" and the education I received about the different loans and expectations, I could not have asked for a better team of knowledgeable people... "
Reviewed by Lee S, Mechanicsville, VA
"This is an amazing team of people that care. They get the job done right, fast, and with a smile!"
Reviewed by Lauren , Midlothian, VA
Reviewed by Tonora W, Henrico, VA
"My experience with NFM Lending was very pleasant. I was more prepared this time, but Greg and his team made sure I would be completely ready when it was time to sign. He seemed to care more about my overall financial status not just a mortgage loan and I was very appreciative of that. It has help me move in directions I’ve been trying to for years on my own. Alexxis answered all of my intuitive questions and made sure I understood the process throughout. I recommend them to anyone who may asks."
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