Greg Cowart
Greg Cowart

Greg Cowart

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

  • Octavio Jose Wilson

    Octavio Jose Wilson

    Mortgage Loan Originator

    p. 804-220-9268

    |

    f. 804-834-7676

    NMLS # 953995

  • Briana Sparrow

    Briana Sparrow

    Loan Partner 1

    p. 866-765-1904

    |

    f.

  • Aubriel Rivera

    Aubriel Rivera

    Loan Partner II

    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

    Apr 2019

    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. "

    5.0

    Apr 2019

    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 "

    5.0

    Mar 2019

    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!"

    5.0

    Mar 2019

    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! "

    5.0

    Mar 2019

    Reviewed by Ryan P, Midlothian, VA

    "Ryan Catherwood "

    5.0

    Mar 2019

    Reviewed by Jason W, Henrico, VA

    "The Greg Cowart team is amazing and very helpful in every way during the house buying & refinancing experience!!"

    5.0

    Feb 2019

    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.. "

    5.0

    Feb 2019

    Reviewed by Brittany P, Mechanicsville, VA

    "Great communication and smooth process "

    5.0

    Jan 2019

    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."

    5.0

    Jan 2019

    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!"

    5.0

    Dec 2018

    Reviewed by Michael H, Midlothian, VA

    "Prompt answers to questions. Informative meetings. Not treated like just another customer."

    5.0

    Jan 2019

    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."

    5.0

    Jan 2019

    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!"

    5.0

    Jan 2019

    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."

    5.0

    Dec 2018

    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. "

    5.0

    Dec 2018

    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. "

    5.0

    Dec 2018

    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."

    5.0

    Dec 2018

    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. "

    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!"

    Loan Tools

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

    Blog

    Top 100 Mortgage Companies in America 2018

    NFM Lending ranked in the Top 100 Mortgage Companies in America 2018

    LINTHICUM, MD, April 22, 2019 — NFM Lending is proud to announce they ranked in the Top 100 Mortgage Companies in America for 2018 by Mortgage Executive Magazine. This is the fourth consecutive year NFM Lending has received this recognition. Each year, Mortgage Executive Magazine compiles a lis…
    Read more

    Jane Floyd Top 100 Originator

    Jane Floyd of NFM Lending Earns Top Originator Recognition

    LINTHICUM, MD, April 19, 2019— NFM Lending is proud to announce that Jane Floyd, Branch Manager out of Tampa, FL, has been recognized as a Top 100 Originator for 2019 by National Association of Minority Mortgage Bankers of America (NAMMBA). NAMMBA is a national trade association dedicated to th…
    Read more

    50 Best Companies to Work For 2018

    NFM Lending Named One of 50 Best Companies to Work For

    LINTHICUM, MD, April 16, 2019 — NFM Lending is proud to announce it was ranked as one of the 50 Best Companies to Work For by Mortgage Executive Magazine. This is the fifth time NFM Lending has been honored with this accolade. Mortgage Executive Magazine conducted an extensive online survey of …
    Read more

    Top Originators 2018

    NFM Lending Loan Originators named among Scotsman Guide’s Top Originators 2018

    LINTHICUM, MD, April 11, 2019 — NFM Lending is proud to announce three of its loan originators, Jane Floyd, Daniel Sa, and Jessica Uphoff, have been ranked on the Scotsman Guide’s Top Originators 2018 lists. Each year, Scotsman Guide recognizes the nation’s top producing mortgage loan origi…
    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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