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 Daniel K, Reston, VA
"From first contact every aspect of this home purchase has been far and above my previous home buying experiences. Every member of Greg’s and the NFM team every step of the way offered prompt, professional and friendly service answering our many questions, often before we even asked them. As if buying a home during a global pandemic was not stressful enough Greg and his team took away what could have been a difficult time and made it seamless and without worry."
Reviewed by Grandon C, Richmond, VA
"I really can't say enough positive things about Greg and his team. We worked with Greg about 5 years ago with our first mortgage, and he and his team were a natural choice for us when we were thinking about refinancing. Greg and his team are personable, professional, and are more than willing to take the time to answer any questions. We will be recommending them to all of our friends and family who are planning on refinancing or buying a house."
Reviewed by Jaishankar I, Henrico, VA
"Greg provided excellent service. He is very responsive and always there for any questions. He delivered 100% what he committed which rarely happens in lender market. I already referred couple of friends."
Reviewed by Bradley R, Richmond, VA
"Each team member was responsive and very helpful. Positive attitudes all around! "
Reviewed by Armanda L, Ashland, VA
"Outstanding home loan experience! Greg and his team are dedicated to guiding you through the process every step of the way!"
Reviewed by Clyde S, Ashland, VA
"Great home loan process"
Reviewed by David L, Glen Allen, VA
"We had a unique situation in trying to finance the purchase of an investment property and Greg and his team were able to come up with a creative solution that worked for all parties involved. "
Reviewed by Alan W, Henrico, VA
"Greg Cowart and his team were wonderful to work with. They walked us through each step, explained everything in a way that was understandable, and did what ever they could to provide us the best outcome. We purchased our house with Greg. We refinanced our house with Greg. And if anything happens in the future, we'll definitely be using Greg and his team."
Reviewed by Amanda M, Mechanicsville, VA
"It was easy and everyone was very personal. Everyone got back to me right away and they were great! "
Reviewed by Raymon T, Henrico, VA
"The whole NFM team is so incredible! They really are teachers and drop the knowledge. They taught me so much, and I felt informed throughout the journey to finding and closing on my dream home. They are a tight knit team, that works together well. They get stuff done. Very efficient. Communicative. Quick to respond. Passionate. Dedicated to their clients. Timely. "
Reviewed by Chelsy R, North Chesterfield, VA
Reviewed by Kristi K, Richmond, VA
"Greg and his team were SO wonderful and helpful throughout the whole process. They were very informative and I truly felt they were on my side which was important to me as a first-time homebuyer. I would recommend to anyone looking to buy a home! Thank you!"
Reviewed by Raven C, Ruther Glen, VA
"We had a very good experience with the NFM lending team! This was our first home and we didn’t know much about the whole process, but Greg and his team we patient and made sure they were clear and concise with all of the information! Definitely a great team! "
Reviewed by Jonathan C, Richmond, VA
"Greg and his team are the very best! I would recommend them to anyone who desires a mortgage broker with total expertise in their field as well as a proactive communication style to help them through the mortgage process! "
Reviewed by Douglas S, New Point, VA
"Your customer service and attention to detail is over the top fantastic. And getting me a lower rate at the 11th hour just shows how much you are looking out for your customer. I am sure that took a lot of effort on your part and if you hadn’t done that I wouldn’t have known any different. Best experience ever and I have had many good ones over the years but no comparison to my one with you!"
Reviewed by Julie B, Henrico, VA
"The entire experience from start to finish was fantastic. "
Reviewed by Andrew M, Henrico, VA
"Greg and his team were extremely thorough and moved fast. Never did i feel I was out of the loop on anything, nor at any point did the process feel overwhelming. Great experience all around!!"
Reviewed by Gabriella E, Chesterfield, VA
"All around great experience!"
Reviewed by Jeanna L, North Chesterfield, VA
Reviewed by Christopher W, Gum Spring, VA
"They were very easy to work with and explained in great detail the nuts and bolts of a mortgage! Very friendly and professional and if I ever bought another house, in a heartbeat!"
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.