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 Brandy M, Bumpass, VA
"I was nervous about the refi process on my own. Greg and team made the entire experience extremely easy. He was very mindful of my situation and went the extra mile to put me at ease. The entire process only took 13 days and I would recommend Greg and his staff to anyone looking to refi or buy a home!"
Reviewed by Alfreda C, Richmond, VA
"Experience was good and I enjoyed working with you and your team. "
Reviewed by JoAnn H, Mechanicsville, VA
"Greg, Alexxis and the rest of the NFM team were wonderful; Greg made sure to walk me through all scenarios as we chose the best path for my situation. He also made sure to talk me through next steps and introduce me to his team, making sure I was comfortable with all that would happen and with whom I would be working. Everyone was so patient and kind as they clearly communicated from beginning to closing. I tell everyone how easy and stress-free home buying can be with a great team like NFM!"
Reviewed by Robert E, Moseley, VA
"It was a wonderful experience. I would highly recommend NFM Lending!"
Reviewed by William H, Richmond, VA
"This was my wife and I's first time buying a home, Greg and his team were AMAZING. Neither my wife nor I had a lot of knowledge about the buying process, and Greg really helped us along the way. His teams response time to our questions was immediate, and they truly made the experience as stress free as possible! They went above and beyond, and even set us up with a quality realtor who took care of us as much as his team did. I would highly recommend them, especially for first time home buyers."
Reviewed by Zachary N, Goochland, VA
"There were many obstacle throughout my loan process but they were all over come and made it through successfully. Very happy with the effort and service."
Reviewed by Sean L, Henrico, VA
"Excellent communication. Kept me informed throughout the process. Made the process very easy. "
Reviewed by Aaron , Glen Allen, VA
"Greg and his staff were extremely helpful and hardworking. Communication was speedy and accurate. We felt like we were his only clients. "
Reviewed by Brandon C
"Couldn’t have bought my first house without the help of Greg and his team! They worked very hard, and communicated with me very well. 10/10!"
Reviewed by Michael T
"Greg and his team always worked to find the best solution for any issues we had during our refinancing and it was clear they had our best interests in mind. Would highly recommend their services. "
Reviewed by Beverly G, Mechanicsville, VA
"Greg Cowart and the Team of NFM Lending guided us through every step of the mortgage loan process. From application through closing, they were professional and knowledgeable. Available for every question or concern and addressing those promptly. Greatly satisfied doing business with them and highly recommend. "
Reviewed by Cathy F, Henrico, VA
"From the very beginning of the process I felt very supported from Greg and his team. Everyone I had the pleasure to interact with was professional, knowledgeable, and super positive. Working with NFM was by far the best part of my new home purchase journey. I highly recommend Greg and his team to all of my family and friends without any reservation. Awesome experience!"
Reviewed by Devon H, Mineral, VA
Reviewed by Melissa G, Henrico, VA
"Everyone kept me informed and updated throughout the loan process. Everyone treated me with respect and showed me how to increase my credit score. It was tough at times but I am very happy with my new home."
Reviewed by David R, Chesterfield, VA
"Greg was awesome, from the first minute to the last. He was extremely knowledgeable and always answered our questions. His team works amazingly together and kept us in the loop every step of the way. They are all amazing people."
Reviewed by Ingrid S, Richmond, VA
"We are both business owners so have K1s, business losses, and other complexities. Greg and his team were able to analyze our situation and come up with an acceptable proposal for the underwriters. It took a while but we were able to get approval after 9 months and purchase a home."
Reviewed by Darren G, Moseley, VA
"Greg, Jesse and team are top notch. The right balance of laid back and informative, communicative but not intrusive."
Reviewed by Ana C, Richmond, VA
"The loan originator was easy to work with, constantly communicating any updates, checking on me, and following-up with any information. She was extremely helpful and helped really push the process along. I was under very tight deadlines, and she really helped make sure that it was all done in time. "
Reviewed by Molly K, Richmond, VA
"Y'all, real estate is crazy and it definitely takes a village to survive! The fluidity in which Greg, Alexxis, Brianna, and Mandy worked was impressive to say the least. They made the communication between my realtor, closing attorney, and myself seamless and easy. As a first time home buyer I didn't know what to expect and this team took the time to ensure I was in full understanding every step of the way. Thank you NFM!"
Reviewed by George E, Henrico, VA
"Greg and his team were tremendous to deal with and offered us help along every step of the way. Buying and selling a home is stressful, but they took the time to sit down and thoroughly explain the loan process . I feel like they looked out after our best interest and would certainly use them again. "
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