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 Jason H, Mechanicsville, VA
"The whole team was very helpful and informative throughout the entire process. Best I've ever worked with.Highly recommend. "
Reviewed by Josh L, North Chesterfield, VA
"Just want to mention Jesse and Alexxis by name as they were so helpful, informative, polite and quick to respond. I couldn't have asked for a better team to help me through this process. Thank You!!!"
Reviewed by Ashley M, Richmond, VA
"This was such a wonderful team! Everything was clearly explained and the process went smooth. Everyone on the team was a pleasure!!"
Reviewed by Pamela T, Mechanicsville, VA
"The team was great and worked with us every step of the way. They were very responsive to any questions we had throughout the process."
Reviewed by Joshua Y, Mechanicsville, VA
"NFM was an amazing experience, this was our first time buying And they kept us up to date on everything to happened as soon as it did. I will use them and suggest others use them in the future."
Reviewed by Amy B, Richmond, VA
"I was impressed by how quickly everyone on the team got back to me! I had many questions along the way and was always treated with respect for asking! I felt I grew in my understanding of things I previously did not know, so that by the time we closed I was fully informed and confident. "
Reviewed by Doran R, North Chesterfield, VA
"Everyone was so great to work with, and provided us with great advice and professional and prompt communications. "
Reviewed by Joshua D, Glen Allen, VA
"Everyone was a pleasure to work with and very professional. Made the experience easy!"
Reviewed by Michael T, Richmond, VA
"Greg and team have helped us numerous times with purchases and refinances. Each time is a very pleasant and professional experience and we would highly recommend them to anyone looking for mortgage services. "
Reviewed by William J, North Chesterfield, VA
"Your team did a fantastic job"
Reviewed by Stephanie O, Ruther Glen, VA
Reviewed by Ricky T, Mechanicsville, VA
"From beginning to end, the process was seem less. We feel as though we walked away from it with a new friends, not just a lender team."
Reviewed by Melissa A, Midlothian, VA
"Overall experience was great."
Reviewed by Terry L, Glen Allen, VA
"The ENTIRE Cowart Team Rocks! We couldn't be more happy with our REFI results due to the diligence and professionalism of Greg and his staff. "
Reviewed by Bryan J, Richmond, VA
"Greg and his team assisted me every step of the way making the process delightful."
Reviewed by Daniel A, Petersburg, VA
"For me personally the closing went from 45 days to 30 days and you guys were outstanding. When this process started just over 30 days ago I didn't even know I was buying a house and I am from out of state . Yes there were some late nights getting everything that was needed which was no easy task for your team and myself. But we did it. As a supervisor for the last 15 years in the railroad industry I know what it is like to have a great team and Gary you have one. "
Reviewed by Jeremy S, Powhatan, VA
"Our experience with NFM, specifically with Greg and his team, was by far and away the best mortgage experience that we’ve had. Our experience with Greg consisted of - 1) exceptional communication - from him and his team at all hours/days, 2) the setting of expectations and planning for the unexpected - in 4 other mortgage experiences no one has ever done this, 3) steadiness and calm in a process that can be stressful. Thank you Greg for an exceptional mortgage experience."
Reviewed by Erin S, Powhatan, VA
"Greg was knowledgeable and gave us Multiple Loan options and made sure we had back up plans in place. The entire process was easy and my husband and I felt confident we were getting the best information and interest rate available. We would highly recommend Greg and his Team. "
Reviewed by Avery K, Richmond, VA
"Greg and his team did an amazing job. He got us ready to go by our closing so everything went smoothly. Totally satisfied with the experience and his work. "
Reviewed by Maria C, Glen Allen, VA
"I appreciated the fact that everything can be done electronically in the loan application and processing. It was certainly important and helpful during this pandemic season. Our loan originator was pretty reachable and responsive. She was very helpful and was able to answer all our questions well. We were glad that we didn’t encounter any issue throughout the process."
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.