Joni Moncure
Joni Moncure

Joni Moncure

Sales Manager / Loan Originator | NMLS# 698958 Apply Now Contact


Welcome to NFM Lending, America’s Common Sense Lender. We serve the local community, as well as communities across the nation, by providing flexible mortgage solutions for prospective and current homeowners. Our broad range of loan products ensures that there’s something to offer everyone. I encourage you to browse my page and take note of the useful information and helpful tools. Should you have any questions, don’t hesitate to contact me. I look forward to working with you!

Looking to Buy a New Construction?

Not all homes are created equal, which is why a lot of consumers prefer to buy a newly constructed home. And in order to ensure your home purchase process goes by smoothly, you need to ensure you choose a mortgage lender that has experience working with builders and knows the ins and outs of the new construction purchase. That is what we call “The Builder Difference” with NFM.

  • Joni serves as a preferred lender for HHHunt Homes.
  • She has worked for builders and new construction for most of her 25 years in mortgage sales.
  • She has been named A Five Star Lending Professional for the past 5 years.
  • Our Lead Processor was the head processor for Ryan Homes and NVR Mortgage for 9 years and has an extensive new construction background.
  • NFM Lending Richmond has 6 loan originators, 4 loan partners, and 4 processors in the branch. We are staffed and ready to handle more volume.
  • We are able to close loans in as few as 12 business days.
  • Our branch is not too big nor too small. All loan aspects except for underwriting are handled within the branch.
  • NFM Lending has correspondent lending channels and is approved direct with Fannie and Freddie to allow for both price competitiveness and flexible guidelines.
  • NFM Lending was voted one of the Top Mortgage Companies to work for in a 2017 survey. Happy employees and happy operations create happy clients.
  • NFM Lending understands and accepts the responsibility of getting clients closed smoothly, on time, and most important, happy.
  • Looking for a fantastic company to build your new home? Check out HHHunt Homes and find out more about their beautiful home designs and how we can work together to purchase the home of your dreams!

**NFM Lending is not affiliated with any building companies. You are entitled to shop around for the best lender/building company for you.



Jan 2018

Reviewed by Mary D, North Chesterfield, VA

"Very smooth, easy process. Joni took the time to get to know me and what I needed to purchase a home."


Dec 2017

Reviewed by William B, Mechanicsville, VA

"On my phone too long to type."


Dec 2017

Reviewed by Derek F, North Chesterfield, VA

"Joni was great at explaining the entire process and guided us through all the documentation we needed to provide and sign. Our entire family greatly appreciated her prompt responses and her guidance. It seemed all relatively effortless on my end."


Dec 2017

Reviewed by Rose O, Richmond, VA

"Joni's professional knowledge and realistic approach enabled us to work through a couple of wrinkles quickly and to my great satisfaction. The response time from Joni and her team are, in my many years of moving, unequaled."


Nov 2017

Reviewed by Tanner R, Aylett, VA

"I had a great experience working with Joni. She kept me informed 24/7 on everything that was going on throughout the process. It really made it a painless experience."


Nov 2017

Reviewed by Courtney S, Richmond, VA

"It was such a great experience. We always knew what was going on and they were very concise about what they needed from us so that there was no confusion. Would absolutely recommend Joni and her team to anyone looking to buy a home! "

Loan Tools

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




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…
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Quiz: Do You Know Your Mortgage Terms?

See how many mortgage terms and definitions you can match!

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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…
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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…
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Contact Me

Joni Moncure

Joni Moncure

Sales Manager / Loan Originator



Toll Free:



100 England Street #101, Ashland, VA 23005

Ready to get started or have any loan questions? Contact me at 804-798-9706 or or submit the form below and I will call you.

Contact Me

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