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 Jessica S, Ashland, VA
"Our transaction was not simple, it was pretty complicated getting everything sorted to go through with a refinance. It took quite a bit of time, and there were a lot of roadblocks, but Greg and his team helped us navigate each one and get the refi done! I cannot express how grateful I am to NFM lending, and go out of my way to refer EVERYONE to them! "
Reviewed by Courtney H, Mechanicsville, VA
"Looking for a home, purchasing, financing, and moving during a pandemic has hopefully been a once in a lifetime experience. From the real estate team (Linchpin Real Estate) to the finance team (NFM Lending) it was seamless, comfortable, and easy. They checked in and we’re helpful at every step of the buying and financing process. I have purchased several homes and none have been as easy as this one. I would recommend them by far as the best experience to anyone."
Reviewed by Rowena K, Midlothian, VA
"Greg is a great communicator, straight-forward, honest and detailed! I even actually picked up on few styles of organizing and managing meeting/phone conversation expectations. He is always clear, concise and honest. He is very respectful and professional. He knows his stuff and was so expertly able to advise us. Bob and I are so fortunate to have met and worked with him! "
Reviewed by Terrence J, Powhatan, VA
"Our experience with NFM has been amazing from start to finish. The entire staff worked together to keep us informed during the process making it extremely easy. All of our questions and concerns were put to rest by their knowledgeable team of professionals. Only NFM can make the home buying process this easy in the middle of a pandemic."
Reviewed by Robert C, Midlothian, VA
"ERveryone there was professional and very helpful"
Reviewed by Kenneth L, Chesterfield, VA
"The process was seamless to me - Great communication throughout the process - Quick responses when I had questions - Awesome customer service"
Reviewed by Peter A, North Chesterfield, VA
"Greg and his team did an outstanding job guiding us through a historically crazy market. We ended up getting a much better deal than we had initially planned thanks to the patience and professional advice of Greg and his team."
Reviewed by Debra K, Henrico, VA
"I was in a bind and everyone at Cowart stepped up and really got this loan process underway. They communicated everystep of the way and was able to get NFM Lending on board with finacing my loan. I was very please with with everything! Thank you!!!"
Reviewed by Meiko M, Sandston, VA
"NFM Lending is a great company!!! Most importantly they made you feel like family and if you don’t understand any part of the process; they’ll be happy to assist you in doing so!!! I am forever grateful for NFM Lending!!! Greg, you have a fabulous team!!! But, Mandy is my favorite!!! Hahaha! Thank you all for putting my family in our beautiful new home!!! ❤️🏡🥰"
Reviewed by Kim Y, Glen Allen, VA
"Jesse was amazing to work with. Mandy was also very helpful!"
Reviewed by Teia L, Chester, VA
"My Experience was great working with Mr. Greg Cowart and his team Ms.Alexxis ,Ms.Mary -Margaret .I was very nervous but they walk me though every step of the way from the beginning to the closing . I would highly recommend Mr. Cowart and his team. Thank you again."
Reviewed by Timothy D, Henrico, VA
"Due to employment contract and SEC regulations, cannot have public endorsement "
Reviewed by Carol I, Manakin Sabot, VA
"We had, what I considered, a very complicated situation with several issues on the move at one time--not to mention Covid! Greg and his team worked through everything in the most professional and patient manner. We had specific instructions and timelines so we were never left wondering where we were at each step of the process. Greg was able to build a package for us that exceeded our expectations. I can't thank them enough. They made what could have been a very stressful event, easy!"
Reviewed by Dzenita H, Richmond, VA
"The communication from day one was amazing. We felt secure and at ease knowing everything was being handled and we knew exactly which step we were in. Thank you to Jesse and Mandy for making our first home purchase a great experience! "
Reviewed by Stoney R, Mechanicsville, VA
"There's no one like the Cowart Mortgage Team! I've worked with them on numerous occasions and they're my go to resource for all my home lending needs. The entire team is knowledgeable on the mortgage industry which allows for quick and well informed responses to any of my questions. I highly recommend anyone looking for a mortgage or refinancing to consider using their team. Great Job!"
Reviewed by Jerry M, Sandston, VA
"It was a good experience to work with great people "
Reviewed by Kimberly C, Mechanicsville, VA
"I couldn’t have had a better experience if I had tried in purchasing my first house. I contacted Greg almost 2 years before I was looking to buy and when I contacted him years later it was like we had just talked. He is kind, helpful and incredibly patient. His team and my realtor Amy Baker took amazing care of me and helped me feel comfortable and informed the whole way. They are amazing! Thanks to Mark and Lisa Adams and their amazing team at Keller Williams group! "
Reviewed by Lindsay G, Mechanicsville, VA
"Greg and his team made the whole process seamless. Answered all of our questions and were very knowledgeable. Would recommend them to anyone!"
Reviewed by Anna M, Henrico, VA
"This was our first time purchasing a house, and we felt very supported by NFM Lending. We felt very informed to make decisions and confident thanks to the great service."
Reviewed by John H, North Chesterfield, VA
"Jesse was great!"
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 firstname.lastname@example.org or submit the form below and I will call you.