Greg Cowart
Greg Cowart

Greg Cowart

Branch Manager/Loan Originator | NMLS# 204399 Apply Now Contact


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.


Helping Our Heroes Save!

Buying, Selling or Refinancing? The Homes for Heroes® are real estate rebate programs for those that protect, serve and care for our country and community: military, law enforcement, firefighters, health care, emergency personnel, and teachers. Call me at 804-306-6463 or email me today to find out more!



Jan 2018

Reviewed by Joyce P, Moseley, VA

"When I was initially put in touch with Greg Cowart I was told that he would call at 4pm the following day. Promptly at 4 my phone rang. Subsequent calls after were all as promised. Greg was very clear from the beginning with what was needed and how we would reach the anticipated results. Greg and Alexxis were always there for us. They let us know timely the next steps. Candy joined the team in the process and was equally efficient. Can't express enough how pleased we were with the Cowart Team!"


Jan 2018

Reviewed by William P, Richmond, VA

"It was great. I think the inherent stress of getting a loan makes the work hard on all parties. I'm glad that Greg and his team embrace that emotional aspect and take time to address it during the process. "


Jan 2018

Reviewed by Dorothy W, Powhatan, VA

"Great process! I already knew Greg and Alexxis were great- but it was also fantastic to work with Mandy. "


Dec 2017

Reviewed by Rudolph R, Moseley, VA

"Greg, Alexxis, Candy and the team were very professional and personable through the process. They were responsive to our concerns and understood our needs. We would highly recommend them to our friends who may need a home loan. Rudy and Rachel Randall"


Dec 2017

Reviewed by Moises M, Richmond, VA

"Working with your team lessen our worry being the first timer in applying a housing loan. Your team guide us in everything we need to do from the time we apply until we successfully close the loan."


Dec 2017

Reviewed by Aimee P, Ashland, VA

"Greg, Aubriel, and Mandy were wonderful to work with! They were easily accessible and made the experience as stress-free as they could. I would recommend them to anyone!"

Loan Tools

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


National Mortgage News Award



NFM Lending opens new branch in Charlotte, NC

LINTHICUM, MD., January 16, 2018 — NFM Lending is pleased to announce the opening of a new branch in Charlotte, North Carolina. The branch is located at 2015 Ayrsley Town Blvd, Suite 202, Charlotte, NC 28273. The NFM Lending branch will focus its lending platform throughout the Charlotte metrop…
Read more

Quiz: Do You Know Your Mortgage Terms?

See how many mortgage terms and definitions you can match!

Read more

Correspondence from Troops (Troop Drive 2017)

Since our 10th Annual Support Our Troops Drive in 2017, we have received some great correspondence from some of the U.S. troop members stationed around the world. In December, we sent 200 care packages to 100 groups of soldiers. Today, we continue to send 4 care packages every month as a small wa…
Read more

NFM Lending Salutes Sgt. Paul E. Ralston, Jr.

LINTHICUM, MD, January 2, 2018— NFM Lending is pleased to honor Sergeant (Sgt) Paul E. Ralston, Jr. as the NFM Salute for January 2018. After high school graduation in 1963, Ralston voluntarily enlisted into the United States Marine Corps, where he served from 1963-1967. He was immediately depl…
Read more

Contact Me

Greg Cowart

Greg Cowart

Branch Manager/Loan Originator



Toll Free:



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 or submit the form below and I will call you.

Contact Me

  • This field is for validation purposes and should be left unchanged.