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 Michelle L, Quinton, VA
"Greg and his team were great. We were sitting on the fence for so long using a call center company and we were scared to pull the plug with so many unknown answers. He immediately stepped in to action and gave us multiple options for all of our what ifs! He and his team were there for every hiccup and scare and put us at ease every time. Thank you!"
Reviewed by Savannah R, Richmond, VA
"Greg an his team were amazing at explaining thr loan process an terminilogy. The team kept you up to date with any changes an updates an returned calls or email asap "
Reviewed by Scott M, Midlothian, VA
"The communication Greg and his team provide is 2nd to none. Super pleasant To work with. "
Reviewed by Steven J, Richmond, VA
"Greg provided a quality experience by specifically listening to our needs and clearly informing us about the lending process and the best options available. He answered questions thoroughly and devoted plenty of time to make sure we understood a range of options and the steps in the process. His team was very helpful and worked hard to make sure everything went as smoothly as possible. We were very pleased with Greg and his team! "
Reviewed by Alexis T, Midlothian, VA
"Everyone on the team was very helpful and quick to respond to any questions we had. They always treated us like you would treat your own family. For us being first-time home buyers they made us feel very secure and at ease. We thoroughly enjoyed working with this company and all of the wonderful people within it!"
Reviewed by Bernard T, Mechanicsville, VA
"Greg and Jesse were great. They helped me along with every step in the process. They took the time to get to know me and my family's needs and wants to provide the highest quality service I could ever imagine."
Reviewed by Martin W, Gordonsville, VA
"Third time with NFM. Another fantastic experience. You wrote the book on customer service. Thank you so much."
Reviewed by Andrew O, Powhatan, VA
"The communication was excellent and the status updates on the process was amazing! Your team made it a pleasurable experience with very little difficulty if any. "
Reviewed by Tiffany O, Powhatan, VA
"This is our second time purchasing a home with Greg and his team. They are always quick to respond and are very knowledgeable. We were cleared to close 2 weeks before our scheduled closing date and closed 1 day early! Kudos to the Cowart Mortgage team for helping us! "
Reviewed by Jason M, Columbia, VA
"Greg and his team were top notch, couldn’t be more pleased and thankful."
Reviewed by Gwendolyn J, Charles City, VA
"Kudos to Greg, Jesse and Jennifer for walking me through the complicated process of my loan. I felt confident they had my back. Great communication and explanations. I learned so much and while writing this in my new home, I am truly grateful. "
Reviewed by Zachary E, Midlothian, VA
"Greg and Jesse were awesome! They insisted on meeting face-to-face and they took the time to educate us on all the facets and steps of the loan process. We left our first meeting pleasantly surprised at what we could do with our finances and with a confidence to immediately go out and put an offer in on a house. Without their help, we wouldn't be living in the house we have today. Thanks!"
Reviewed by Sharon E, Midlothian, VA
"We had a great experience! We were first time homebuyers which can be a scary thing. NFM made it a smooth and fun experience. We highly recommend them. "
Reviewed by Linda R, Glen Allen, VA
"Everyone was so nice and kept us updated daily on the process. We received daily updates throughout the process as we moved forward with our purchase. Everyone was very welcoming and friendly. I would definitely use NFM lending again. "
Reviewed by Annemarie R, Richmond, VA
"Greg and his team are awesome. They are thorough, efficient, and super approachable. We always felt like we could ask any question we had and they made the process go so smoothly. So glad we used them when purchasing our home! "
Reviewed by Jamie B, Sandston, VA
"Everything was handled in a timely manner and everyone involved was very helpful with me in obtaining information that was needed to help the process along."
Reviewed by Robert E, Glen Allen, VA
"Greg, Alexxis, and Mandy shepherded us through the process at every stage. They created a clear path and expedited our close in less than 15 days. We appreciate the extra effort that went beyond the mortgage process. "
Reviewed by Debra L, Richmond, VA
"It was a wonderfully smooth process. I can't say enough about Alexxis and her level of communication. She was always on top of everything and let us know what we needed asap. "
Reviewed by Joseph C, Richmond, VA
"Thank you so much for all the help."
Reviewed by Johnny Y, Richmond, VA
"I'm very thankful for Greg and Alexxis' commitment to educating their clients and being very forthcoming. I felt very comfortable during our meetings and was confident that the team was doing everything they can to make it a great experience. They are also outstanding humans!"
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