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 Samuel W, North Chesterfield, VA
"Three people were friendly, they returned calls and kept us up to date."
Reviewed by Jeffery A, Chesterfield, VA
"Everyone on Greg's team was friendly, smart, and communicative. They also were able to secure us a great rate. We had friends telling us to try an online lender to save money, but at the end of the process, I can't imagine going through the loan process without an in-person team, and our loan ended up cheaper than those of our friends with internet loans, anyways."
Reviewed by Phyllis B, North Chesterfield, VA
"Everyone at NFM was so polite and kind to us through this process. No one ever talked above us or below us!! Thanks so much for such a positive experience. We always felt like we could trust Greg, Jesse and the entire NFM staff."
Reviewed by Edward S, Henrico, VA
"Greg and team were extremely helpful and patient in answering all my questions. It was a great experience four years ago walking through my first home purchase. And it was an equally great experience now going through the the refinance process. Appreciate Greg and his great team!"
Reviewed by Elissa H, Mechanicsville, VA
"Each individual that I had contact with was professional and helpful. Explanations were clear and follow through was excellent."
Reviewed by Mark A, Richmond, VA
"Great experience overall! Always felt like our needs were a priority and loved the transparency in communication! Will definitely recommend services for new mortgage and refinancing needs to friends and associates! "
Reviewed by Robert W, Ashland, VA
"Greg, Alexxis and team are rockstars and a pleasure to work with. During this stressful time in our country and to be dealing with a major home transaction at the same time, the Cowart team brings a “calm in the storm” and common sense counseling approach putting the buyer at the center of their service. Well done!"
Reviewed by Jessica J, Richmond, VA
"Greg is SO knowledgeable and loves to educate his clients! (Probably the teacher in him) His passion truly shows! He made the stress of home buying minimal! Thanks Greg! "
Reviewed by Ronald G, Mineral, VA
Reviewed by Helen L, Mineral, VA
"We were kept up to date weekly if not daily as to where we were with the loan process. You were so helpful in making this a seemingly effortless experience from 3 states away. "
Reviewed by John W, Midlothian, VA
"Outstanding from start to finish."
Reviewed by Maria P, Glen Allen, VA
"Great experience. Felt very well prepared to buy my first house. Greg gave me a great breakdown of all the options I had available. This gave me great confidence. I would recommend NFM Lending to anyone looking to buy a house."
Reviewed by Nicholas L, Louisa, VA
"This team is absolutely amazing! They made Homeownership possible! I would use them Again in a heart beat! I don’t have to though because they helped me get my forever home!!!"
Reviewed by Richard C, Richmond, VA
"Greg Cowart and his team provide the highest level of service in the mortgage industry and I have over 30 years of real estate sales and management experience. They go above and beyond with regard to personal and professional service catering to the customer's preference from face to face meetings or online interaction. They represent the gold standard in the mortgage business."
Reviewed by Carter D, Henrico, VA
"Absolutely wonderful helpful people!!! Can't say enough good things about this group! "
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!"
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
Ready to get started or have any loan questions? Contact me at 804-306-6463 or email@example.com or submit the form below and I will call you.