Greg Cowart
Greg Cowart

Greg Cowart

Branch Manager/Loan Originator | NMLS# 204399 Apply Now Upload Docs Returning Applicant Contact

About

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

My Videos

Awards

National Mortgage News Award National Mortgage News Award National Mortgage News Award National Mortgage News Award

Meet the Team

  • Jesse Perrone

    Jesse Perrone

    Loan Originator

    p. 804-305-2923

    |

    f. 804-834-7676

    NMLS # 1034510

  • Alexxis Jenelle Opachan

    Alexxis Jenelle Opachan

    Mortgage Loan Originator

    p. 804-220-9266

    |

    f. 804-834-7676

    NMLS # 1616226

  • Briana Sparrow

    Briana Sparrow

    Loan Partner 1

    p. 804-774-6251

    |

    f.

  • Mary-Margaret Harrill

    Mary-Margaret Harrill

    Loan Partner

    p. 804-399-2332

    |

    f. 804-834-7676

  • Mandy Barden

    Mandy Barden

    Processor

    p. 804-220-9267

    |

    f. 804-834-7655

  • Testimonials

    5.0

    Jul 2020

    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. "

    5.0

    Jul 2020

    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!!!"

    5.0

    Jul 2020

    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!!"

    5.0

    Jun 2020

    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."

    5.0

    Jun 2020

    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."

    5.0

    Jun 2020

    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. "

    5.0

    Jun 2020

    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. "

    5.0

    Jun 2020

    Reviewed by Joshua D, Glen Allen, VA

    "Everyone was a pleasure to work with and very professional. Made the experience easy!"

    5.0

    Jun 2020

    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. "

    5.0

    Jun 2020

    Reviewed by William J, North Chesterfield, VA

    "Your team did a fantastic job"

    5.0

    Jun 2020

    Reviewed by Stephanie O, Ruther Glen, VA

    " "

    5.0

    Jun 2020

    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."

    5.0

    Jun 2020

    Reviewed by Melissa A, Midlothian, VA

    "Overall experience was great."

    5.0

    Jun 2020

    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. "

    5.0

    Jun 2020

    Reviewed by Bryan J, Richmond, VA

    "Greg and his team assisted me every step of the way making the process delightful."

    5.0

    Jun 2020

    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. "

    5.0

    Jun 2020

    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."

    5.0

    Jun 2020

    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. "

    5.0

    Jun 2020

    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. "

    5.0

    Jun 2020

    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."

    Loan Tools

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

    Blog

    How to Save Money and Energy During the Summer

    During the peak of summer, you might do whatever it takes to stay cool. Before you run to turn your thermostat down in the peak of summer, keep in mind the monetary cost to keeping your home’s temperature regulated. Saving money and energy go hand in hand, and you can do both by being strategic…
    Read more

    Tyler Stallings

    NFM Lending salutes Tyler Stallings

    LINTHICUM, MD, July 1, 2020— NFM Lending is pleased to honor Tyler Stallings as the NFM Salute for July 2020. When he was just four years old, Tyler’s mother, Andrea Blackstone, began teaching him about Veterans. Tyler came to understand that military service members were true American heroes…
    Read more

    5 Summer Safety Tips

    5 Summer Safety Tips

    Summer has officially begun, and there are so many ways to enjoy it! Even if you’re staying close to home, you can still create magical memories with your loved ones. Life can seem to slow down during the summer, but that doesn’t mean you should let down your guard when it comes to staying sa…
    Read more

    Costs of Owning a Pool

    The Real Costs of Owning a Pool

    As a homeowner, you’ve probably fantasized about having your own pool. As the days grow hotter and summer arrives, you’ll probably be daydreaming of sitting poolside in your own backyard even more. Having your own pool might seem like paradise, but it’s not that simple. Before you dive head…
    Read more

    Contact Me

    Greg Cowart

    Greg Cowart

    Branch Manager/Loan Originator

    NMLS ID#:
    204399

    Phone:
    804-306-6463

    Toll Free:
    866-765-1904

    Fax:
    804-834-7676

    Email:
    gcowart@nfmlending.com

    Address:
    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 gcowart@nfmlending.com or submit the form below and I will call you.

    Contact Me

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