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.



Feb 2018

Reviewed by Bryan H, Henrico, VA

"Every step was very informative. I wasn't left out of the loop. I knew who I would be talking to and I never got lost in the transition. "


Jan 2018

Reviewed by Stephen I, Henrico, VA

"Emails were very prompt on every stage of the buying process and paperwork was handled quickly."


Feb 2018

Reviewed by Jennifer D, Charlottesville, VA

"Joni and her team are warm, welcoming, and on task. Joni took my application and shortly afterwards she introduced me to the team by conference call. For the entire journey, Joni and team were available to talk and help solve any of the many challenges associated with buying a home. I will wholeheartedly recommend NFM Lending in the future. "


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."

Loan Tools

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


What to Consider When Buying a Waterfront Home

Who hasn’t dreamed of having a home on the water? Whether it’s beach, lake, or riverfront, a waterfront home can be a great investment but should not be made without the proper research and consideration. Before making any costly mistakes, you need to know what to consider when buying a water…
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Staging Your Home For Sale

‘Staging’ is a term used by real estate agents that means to make your home appealing, therefore making it more marketable to potential buyers. Through this process, you increase your home value and become more emotionally detached from the house as it becomes less of your home. The ultimate …
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What do Mortgage Lenders Review on Bank Statements?

There are many ways to prepare to buy a home, but a major one is to ensure your finances are completely sound. A lender is going to request many financial documents, one of which will be your bank statements. While it might seem like an insignificant request compared to your taxes or paystubs, yo…
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NFM Lending salutes Kenneth Hutcherson

LINTHICUM, MD, February 1, 2018— NFM Lending is pleased to honor WWII Veteran, Kenneth Hutcherson, as the NFM Salute for February 2018. After high school graduation in Halifax, Virginia, Hutcherson moved to Baltimore, Maryland in June 1941 and worked for Glen L. Martin Company. After 15 months,…
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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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