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 Molly K, Richmond, VA
"Y'all, real estate is crazy and it definitely takes a village to survive! The fluidity in which Greg, Alexxis, Brianna, and Mandy worked was impressive to say the least. They made the communication between my realtor, closing attorney, and myself seamless and easy. As a first time home buyer I didn't know what to expect and this team took the time to ensure I was in full understanding every step of the way. Thank you NFM!"
Reviewed by George E, Henrico, VA
"Greg and his team were tremendous to deal with and offered us help along every step of the way. Buying and selling a home is stressful, but they took the time to sit down and thoroughly explain the loan process . I feel like they looked out after our best interest and would certainly use them again. "
Reviewed by Maryam K, Henrico, VA
Reviewed by Justin L, Mechanicsville, VA
"We had a great experience working with NFM. They always kept us updated on the loan and gave us a great outline on the time of the whole process. Friendly and dedicated staff that are always willing to help. We could contact them on any questions that came up during our process. "
Reviewed by Joshua P, Richmond, VA
"Everyone was so kind and surprisingly comforting during a stressful time. You guys made the house buying process much easier and clearer than I ever could have imagined. It was a pleasure working with you! "
Reviewed by Roberto E, Henrico, VA
"They were great and informed us step by step "
Reviewed by Alan W, Henrico, VA
"Greg and his team were wonderful to work with. Great communication and teamwork through the entire process."
Reviewed by Calvin W, Moseley, VA
"The process was quick, simple and without stress. The communication throughout the entire process was excellent. It was by far the quickest, smoothest process I have ever experienced."
Reviewed by Aaron L, Richmond, VA
"I learned a lot about all that have to go into the process of purchasing a home and how important it is for all these different components to come together to achieve one common goal. Greg and his outstanding staff were very thorough and patient in making sure I understood everything.I will give them my highest level of recommendation"
Reviewed by Elizabeth C, Henrico, VA
"Greg, Jennifer, and Jessie were all fantastic to work with! The whole process was smooth and easy. We appreciate their hard work and happily would recommend them to everyone. Thank you so much! "
Reviewed by Carter D, Henrico, VA
"Awesome service! "
Reviewed by Rebecca T, Moseley, VA
"Everyone at NFM Lending are just like family. Very easy to talk to and answer questions. They couldn’t have made the experience any easier. I would recommend them to anyone. Thanks for Everything! Becky"
Reviewed by Trung L, Richmond, VA
Reviewed by Bradley R, Richmond, VA
"Great experience. Very responsive. Easy to work with through entire process. "
Reviewed by Alexandra P, Henrico, VA
"This was my first time going through the loan and homebuying process and Greg and his team made me feel extremely comfortable and educated me throughout the process. "
Reviewed by Chad V, Henrico, VA
"Greg and his team were great to work with. Being in the loan process for over 10 months was hard, but Greg and Jesse continued to keep me up to date on all aspects of the process. I could not have asked for a better team to work with. Thank you all very much. Chad Vaughan "
Reviewed by Jennifer G, Richmond, VA
"Alexxis and Candy were awesome to work with. They were great with keeping me in the loop through each step. When the builder hit a snag they were great and took care of my loan and communicated with me the entire time. You and your team are top notch!"
Reviewed by Reynaldo P, Moseley, VA
"Everyone was very helpful and friendly. I will recommend your lending office to all my friends. Thanks to everyone! "
Reviewed by Ryan P, Midlothian, VA
"Ryan Catherwood "
Reviewed by Jason W, Henrico, VA
"The Greg Cowart team is amazing and very helpful in every way during the house buying & refinancing experience!!"
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