Greg Cowart
Greg Cowart

Greg Cowart

Branch Manager/Loan Originator | NMLS# 204399 Apply Now Upload Docs Contact

About

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

Awards

National Mortgage News Award National Mortgage News Award National Mortgage News Award National Mortgage News Award

Meet the Team

  • Jesse Perrone

    Jesse Perrone

    Loan Originator

    p. 804-305-2923

    |

    f. 804-834-7676

    NMLS # 1034510

  • Alexxis Jenelle Opachan

    Alexxis Jenelle Opachan

    Mortgage Loan Originator

    p. 804-220-9266

    |

    f. 804-834-7676

    NMLS # 1616226

  • Briana Sparrow

    Briana Sparrow

    Loan Partner 1

    p. 866-765-1904

    |

    f.

  • Aubriel Rivera

    Aubriel Rivera

    Marketing Coordinator

    p. 804-763-9692

    |

    f. 804-834-7676

  • Jennifer Thomson

    Jennifer Thomson

    Processor

    p. 804-220-9256

    |

    f.

  • Mandy Barden

    Mandy Barden

    Processor

    p. 804-220-9267

    |

    f. 804-834-7655

  • Sonya St. Jacques

    Sonya St. Jacques

    Processor

    p. 804-220-9261

    |

    f. 804-834-7632

  • Testimonials

    5.0

    Dec 2018

    Reviewed by Matthew G, Colonial Beach, VA

    "Greg and team were diligent and determined to provide necessary timelines to ensure a flowerless loan experience."

    5.0

    Nov 2018

    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!"

    5.0

    Nov 2018

    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 "

    5.0

    Nov 2018

    Reviewed by Scott M, Midlothian, VA

    "The communication Greg and his team provide is 2nd to none. Super pleasant To work with. "

    5.0

    Oct 2018

    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! "

    5.0

    Nov 2018

    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!"

    5.0

    Oct 2018

    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."

    5.0

    Nov 2018

    Reviewed by Martin W, Gordonsville, VA

    "Third time with NFM. Another fantastic experience. You wrote the book on customer service. Thank you so much."

    5.0

    Oct 2018

    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. "

    5.0

    Oct 2018

    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! "

    5.0

    Oct 2018

    Reviewed by Jason M, Columbia, VA

    "Greg and his team were top notch, couldn’t be more pleased and thankful."

    5.0

    Oct 2018

    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. "

    5.0

    Oct 2018

    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!"

    5.0

    Oct 2018

    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. "

    5.0

    Oct 2018

    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. "

    5.0

    Oct 2018

    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! "

    5.0

    Aug 2018

    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."

    5.0

    Oct 2018

    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. "

    5.0

    Oct 2018

    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. "

    5.0

    Oct 2018

    Reviewed by Joseph C, Richmond, VA

    "Thank you so much for all the help."

    Loan Tools

    Here are some useful links to get you started in the loan process.

    Blog

    Main Street Home Loans

    NFM Lending announces new division: Main Street Home Loans

    LINTHICUM, MD, December 19, 2018 — Today, NFM Lending announced that two industry powerhouses, Darran Anthony and Mike Farrell, will lead their new division, Main Street Home Loans, based in Leesburg, VA. Under the leadership of Anthony and Farrell, who have over 20 years of industry experi…
    Read more

    Team Stapleton NFM Lending

    NFM Lending opens new branch in St. Petersburg, FL

    LINTHICUM, MD, December 7, 2018 — NFM Lending is pleased to announce the opening of a new branch in St. Petersburg, Florida. The branch is located at 3035 5th Avenue North, St. Petersburg, FL 33713, and will be led by Branch Managers, Steve and Amanda Stapleton. The NFM Lending branch will focu…
    Read more

    6 Important Home Features for Hosting

    Do you love entertaining your friends and family and want to be the go-to host for holidays, dinners, and other gatherings? Not every home is fit to do so. If you’re searching for a new home or want to redecorate or renovate, keep in mind these 6 important home features for hosting. Entry Way T…
    Read more

    Cliff Hageman

    NFM Lending salutes Cliff Hageman

    LINTHICUM, MD, December 3, 2018— NFM Lending is pleased to honor Specialist Cliff Hageman as the NFM Salute for December 2018. SPC Cliff Hageman joined the army just a few months after his high school graduation in 1988, serving until 1992. His military occupation specialty (MOS) was an 88M, or…
    Read more

    Contact Me

    Greg Cowart

    Greg Cowart

    Branch Manager/Loan Originator

    NMLS ID#:
    204399

    Phone:
    804-306-6463

    Toll Free:
    866-765-1904

    Fax:
    804-834-7676

    Email:
    gcowart@nfmlending.com

    Address:
    1512 Willow Lawn Drive, Suite 202, Richmond, VA 23230

    Ready to get started or have any loan questions? Contact me at 804-306-6463 or gcowart@nfmlending.com or submit the form below and I will call you.

    Contact Me

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