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
Meet the Team
NFM Vs. Them
Choose NFM Lending over a 1-800 call center or big bank for a quick and reliable mortgage experience, and to save yourself some major stress when purchasing your dream home.
Reviewed by Jennifer K P, North Chesterfield, VA
"Before our first meeting with NFM Lending, we thought the home-buying process would likely be drawn out and full of obstacles. I truly believe that nobody else could have gotten us into our dream home in 30 days. Greg and his team did a fantastic job guiding us through the process and moving everything along on time. We would recommend him highly to anyone looking to buy a home."
Reviewed by Jeffrey S W, Henrico, VA
"All the individuals I worked with were GREAT! I was a tad bit frustrated with the underwriting process. I felt the request for additional clarifying and supporting documentation wasn’t always timely and seemed a little knit picky. Other than that, great experience!"
Reviewed by Alexander T C, Richmond, VA
"Greg and his team are extremely knowledgeable and experienced. They did a fantastic job keeping us informed and comfortable throughout the purchase of our first home, and we were doing all of this from Korea, without even being physically present. I can’t recommend them highly enough. "
Reviewed by Katherine G K, Glen Allen, VA
"Very good at helping me identify goals & what I wanted the end result to be in my transaction. Took the time to explain things to me in a clear and easy to follow manner. Kept me updated on my loan status (through emails & phone calls). Everybody was both personable and professional in their interactions with me."
Reviewed by Bryan K P, North Chesterfield, VA
"Greg (and team) were very concise and made it very easy for us to understand the loan process. At every step we knew exactly what NFM needed from us, we knew what step of the process we were in and what step was next. Along with giving clear instructions, Greg, Alexxis, and Jennifer followed up often to see if we were on the right track and if we needed assistance. Everyone was very professional, yet friendly, and it felt as if each person on the team felt personally vested in the loan."
Reviewed by John H L, Richmond, VA
"Great to have a team in your corner during a stressful move!"
Reviewed by Neil S, Colonial Heights, VA
"Greg, Jesse, and Mandy were all very attentive and pleasant. We had a great experience with everyone involved."
Reviewed by James J, McKenney, VA
"I had a great experience they we on top of everything and made me feel at home on every visit hit my closing date on time in a short period of time I would def look forward to working with them NFM in the future "
Reviewed by Kevin T P, Ashland, VA
"It was a great experience "
Reviewed by Bridget B, Beaverdam, VA
"Jesse and Adam were a great team! We were always impressed with Adam which is why we chose to follow him to NFM during our home buying process! "
Reviewed by Mark C W, Henrico, VA
"Working with Greg was awesome! All of the numbers came in lower than he estimated which is always good!"
Reviewed by Kelsey W, Richmond, VA
"Greg and the NFM team were absolutely amazing guides for our home buying process! They took the time to answer all of our (many) questions and always advocated for what was in our best interest. "
Reviewed by William H M, Powhatan, VA
"They (NFM Lending) did an amazing job walking us through every step, and were open to questions along the way. They truly are the top team when it comes to mortgage loans and refinancing."
Reviewed by Lafonya W, Richmond, VA
"We had an exceptional experience with Greg and his team. I will certainly recommend him to anyone looking for a loan to buy a new home. "
Reviewed by Vasyl A. K, Richmond, VA
"As first time home buyers, working with Greg's team made the dreaded process as effortless and clear as it could be. Greg made time to meet with us after hours and sat with us for hours walking us through every little thing involved. His team was on top of things every step of the way and answered all questions instantly, even creating contingency plans in case things changed. We closed on the home of our dreams 4 months ahead of schedule thanks to Greg and could not be happier! "
Reviewed by Nathaniel L W, Manakin Sabot, VA
"LOVE LOVE LOVE working with the Cowart team. So professional, enthusiastic, organized, detailed, great communication from beginning to end. Just one of the BEST lenders I work with. If there is a will and a way Greg and his team will get it done!"
Reviewed by Faith P, Ashland, VA
"Very informative from the beginning. Customer care was top notch. "
Reviewed by Carter O C, Richmond, VA
"Greg and the Cowart Team provided exceptional service. The frequent communication, explanations, and their desire to make sure we understood every number and every step of the mortgage process were invaluable. Indeed their service model provides clients with successful transactions with minimal anxiety~ We are most pleased with the whole experience! Thank you Greg and the full Cowart Team!"
Reviewed by Alva L C, Ashland, VA
"We were made to feel important from day one. There was a great flow of information and education throughout the entire process. Greg's team coordinated well with the realtor and the closing attorney to make it very easy and seamless. The online approvals pomade everything a breeze. We were also given a good balance of choices vs recommendations on our individual approach. The rate lock approach will really save us a lot of money in the long run. I would highly recommend the Cowart NFM Team!"
Reviewed by Darrel B, Moseley, VA
"Very thorough and informative."
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