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 Marva C, Henrico, VA
"Absolutely fantastic.. it’s been a long time since I’ve met such a great group of people.. They are great at communicating.. I would recommend them anytime.. Thanks again for a wonderful experience.. "
Reviewed by Brittany P, Mechanicsville, VA
"Great communication and smooth process "
Reviewed by Rhonda K, Chesterfield, VA
"Both Jesse Perrone and Sonya St. Jacques communicated great and the help is getting the loans were inventive and thinking outside the box."
Reviewed by Amanda R, Glen Allen, VA
"What a great experience from beginning to end! Both Greg and his team Alexxis and Mandy were ok top of everything. We closed on a home in under 2 weeks! I had text and email updates every step of the way. Most importantly, the team truly cares about you, you aren’t just a number to them. I’m very thankful I met them!"
Reviewed by Michael H, Midlothian, VA
"Prompt answers to questions. Informative meetings. Not treated like just another customer."
Reviewed by Matthew M, Ashland, VA
"We were an absolute mess of clients but Greg & Jesse were nothing through perfect through the process. They did everything they could to help raise our credit and lower our payment. Showed us and went over many different options. We always felt like we were in control of the situation. I would recommend Jesse and Greg to anyone going through the home buying process 100/100 times. We’ve purchased other homes before and we were more prepared credit wise but this was still a better experience."
Reviewed by Pamela M, Moseley, VA
"All of the staff that we worked with at NFM Lending were knowledgeable, personable and always responsive to emails, text messages and phone calls. I highly recommend them and would not hesitate to use them again!"
Reviewed by Margie S, North Chesterfield, VA
"The entire team was extremely professional while being patient and understanding of my fears and concerns. Always responded in timely manner. Very smooth process. Greg, Alexxis and Sonya thank you so much. Will always send my family and friends your way. Again, thanks for making my new home possible."
Reviewed by Pamela B, Henrico, VA
"My experience with NFM has been very enlightning for me. I wasn't sure that I would be able to qualify for a loan, but Greg and his team spoke very frankly with me and advised that I had an uphill battle. He was direct and honest about my financial situation but he also had options and they worked with me. There was never a time that I did not know what was happening or why. I highly recommend Greg Cowart and his NFM Lending team. A big shout out to Alexxis Opachan and Sonya St Jacques. "
Reviewed by Leuquilar G, Richmond, VA
"Everyone we worked with was amazing!!! Greg and his team are very knowledgable and kind and I would highly recommend them to anyone looking to purchase a home for the first time. They kept us on track with our home buying process, which was especially important for my husband and I who have very busy (and often conflicting) schedules. It was a great experience and we look foward to working with them again in the future. "
Reviewed by Julia L, Henrico, VA
"Greg and his team went above and beyond to successfully finance our home purchase. His communication (phone, text, email, in-person) and willingness to go the extra mile is unmatched in the mortgage industry. He and his team provide a true concierge service. At every turn, he provided sage advise and an impressive work ethic (I don't think he sleeps!). Purchasing our dream home would not have been possible without is technical guidance and commitment to our family's efforts to secure a loan."
Reviewed by Sheila M, Moseley, VA
"Greg, Jesse and Candy were all extremely easy to work with. They were willing to explain everything to me, in a way that made it understandable. I have never understood all this mortgage stuff before, but now I feel like have a good handle on it because they took the time to make sure I did. They made me feel comfortable, and all were exceptionally friendly and warm. "
Reviewed by Matthew G, Colonial Beach, VA
"Greg and team were diligent and determined to provide necessary timelines to ensure a flowerless loan 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."
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