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 Emily T, Richmond, VA
"Greg & his team helped us navigate a unique and complex real estate deal within an abbreviated time frame. We are thankful for his creative approach and willingness to go above and beyond the mortgage side to help make it a smooth transaction overall. We will definitely be using Greg for all of our future mortgage needs!"
Reviewed by Michael T, Richmond, VA
"Greg and his team worked with us extensively and went above and beyond their duties to help us find solutions for our home purchase. "
Reviewed by Dallas W, Mineral, VA
"Was looking for a home closer to work, Greg an his team answered and made the process of buying a home smooth. Especially being a first timer, kept me informed and answered every question we asked. Thanks again for all you guys hard work!"
Reviewed by Bessie M, Moseley, VA
"It was a great experience. Everyone was very nice and helpful."
Reviewed by Heather L, Richmond, VA
"Everyone was super helpful and on top of things. The only unsatisfactory experience was with the actual builder. We loved working with EVERYONE at NFM."
Reviewed by Ryan M, Henrico, VA
"Greg and his team were friendly and professional throughout the entire process. Greg’s wealth of knowledge helped immensely. The first meeting helped explain what we could afford and make sure that buying a home was really in our best interest. After that it was all very simple. Greg and his team provided great explanations of how we were progressing. I would recommend Greg Cowart and his team to everyone. "
Reviewed by Jessie M, Bumpass, VA
"Greg and his team really went above and beyond to ensure I was taken care of. They were creative with options to allow me to get aggressive with making a solid offer which in turn got us our amazing home! From my name on the Welcome screen in the lobby on my first visit to the long calls explaining everything to me in laments terms for my understanding, to the gift after closing on our house really made them stand out with exception customer service. Thank you all for everything! "
Reviewed by Dannita T, Richmond, VA
"Greg, Candy, and Alexxis are a phenomenal team. They educate customers, communicate well with each other and the other parties involved with purchase (builder, etc.), and make the long, detailed process of homebuying less painful. I've heard horror stories from others about the homebuying process; this team made the process feel easy. Though they have many customers, I felt as though I was the only customer given the level of tailored assistance I received. Thanks for a great experience!"
Reviewed by Dawn S, Springfield, VA
"Greg and his team were spectacular to work with. They got me to closing in 11 business days! Wow. "
Reviewed by Annette W, Midlothian, VA
"I was very impressed with the level of communication and loan options that were provided by NFM. Extremely professional and efficient."
Reviewed by Elizabeth G, Henrico, VA
"They were great at communicating and keeping us in the loop, promptly answered our questions, and were very knowledgeable!"
Reviewed by Jaime G, Henrico, VA
"Greg was so helpful during this whole process. He walked us through every step, and spent the time making sure we understood every piece of applying for a mortgage. He has a great team as well, who all communicated quickly so we did not miss a thing. We are so grateful to have had them on our team as we took this big step!"
Reviewed by Stephen S, Midlothian, VA
"Greg and Jesse are rockstars, very pleased with every part of our interaction with NFM!"
Reviewed by Jennifer S, Midlothian, VA
"The team at NFM Lendening was awesome. They worked with us, answered all of our questions, and communicated very well. Anytime I had a question I knew I could call Greg or Jesse and they would answer right away. We are very glad we went with them as our lender."
Reviewed by Aaron D, Henrico, VA
"Greg and Alexxis were amazing, and very easy to work with. They made the loan process very simple, and jumped on any questions that we had. There were times that we would have to repeated provide the same document to our processor, and they also kept emailing documents to the incorrect email address. While I realize that my work email is unique, I would encourage them to just take a quick second glance at emails before sending important documents."
Reviewed by George W, Henrico, VA
"The whole team at NFM were amazing! So glad we had them through this whole process "
Reviewed by Lee S, Mechanicsville, VA
"We were involved every step of the way and things got done well. We were able to get the house we wanted in the time frame we needed, which no one else was able to offer. This process was at times a bit much, but the creativity and hard work of Greg and his team made it all come together. Greg and his team could see things that big banks and even credit unions could not or would not. They made the impossible happen and we are so happy we were blessed to work with them!"
Reviewed by Elizabeth D, Mechanicsville, VA
"Greg, Alexxis, and Jennifer are the definition of an A team! They worked hard to get us to close on time, even after running into several unforeseen hurdles! Greg was extremely knowledgeable and helped us fully understand the loan process and provided us with a package that best worked for our situation. We highly recommend his services and team!"
Reviewed by Kirby M, Midlothian, VA
"We started the process of buying our house with NFM lending with the goal of purchasing our dream house knowing that there may be some hurdles on the way. Greg got us to where we needed to be. His team worked extremely hard for us. Whenever we hit a roadblock in the process, they found a way to get it done. The whole team was easy to work with and very pleasant. I would strongly recommend his team if you are in the market of purchasing a home. You will be glad you did. Thanks for everything "
Reviewed by Jennifer W, North Chesterfield, VA
"We had a great experience with NFM Lending. They gave us personalized attention and customized our loan to meet our needs. They were with us every step of the way and were easy to get a hold of when we had questions. "
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