Mark Horton
Mark Horton

Mark Horton

Loan Originator | NMLS# 959463 Apply Now Upload Docs Returning Applicant Contact


In January of 2016 I joined the NFM Lending family. I am a part of a small team comprised of some of the most organized, experienced, motivated, and highly effective mortgage professionals I have had the pleasure of doing business with since I got my start in lending back in 2003. We work closely together as a team to deliver an excellent mortgage experience, in person, that leaves our clients not only willing, but actually excited to recommend us to their closest friends and family members.

Last year we helped over 200 families purchase new homes in the area, providing the full range of mortgage products, including jumbo, construction, renovation, VA, FHA, USDA, and many others. We are based in Richmond, but our company is based in Baltimore, and I feel very privileged to work for the 2015 "Best Midsized Company" in the region, per the Baltimore Sun:

I have worked for a variety of mortgage lenders, but none so far have shown the degree of talent I have found at NFM, with leadership that has shown a true commitment to excellence both with regard to customer experience and corporate culture. I feel I have found my true home here and look forward to serving the community in line with our company's strong values, while producing the type of results expected of the top performers in our field.


Meet the Team

  • Octavio Jose Wilson

    Octavio Jose Wilson

    Mortgage Loan Originator

    p. 804-220-9268


    f. 804-834-7676

    NMLS # 953995

  • Tiffany O'Leary

    Tiffany O'Leary

    Sales Manager / Loan Originator

    p. 804-305-6004


    f. 804-834-7676

    NMLS # 646417

  • Mandy Barden

    Mandy Barden


    p. 804-220-9267


    f. 804-834-7655

  • Jennifer Thomson

    Jennifer Thomson


    p. 804-220-9256



  • Sonya St. Jacques

    Sonya St. Jacques


    p. 804-220-9261


    f. 804-834-7632

  • Aubriel Rivera

    Aubriel Rivera

    Marketing Coordinator

    p. 804-763-9692


    f. 804-834-7676

  • Testimonials


    Dec 2018

    Reviewed by Jillian T, North Chesterfield, VA

    "Couldn't have been happier with our experience with NFM Lending and Mark Horton. As first time home buyers, the whole team made sure we were kept up to date on the process the entire step of the way, and made sure we understood everything that came up. "


    Jan 2019

    Reviewed by Cynthia O, North Chesterfield, VA

    "From the beginning Mark was professional and thoughtful. I had a small, but important issue, Mark jumped in and assured me that he had a solution. The issue disappeared, immediately! we were back on track, and moving forward. Mark and his wonderful team basically held my hand all the way through this well known, one of "Life's Five Major Stresses"! My family and I am very grateful that NFM had Mark and his Team on board. I highly recommend NFM and this Team. Thanks, Mark, Jennifer and Tiffany! "


    Dec 2018

    Reviewed by Frank E, Richmond, VA

    "Mark was always on top of the ball. For every problem that came up he had a plan and then a contingency plan even. Mark's communication was probably what made the process of buying a house the easiest though. For all of the questions I had, there was a well thought out answer from Mark that always gave me the reassurance I needed. Whether or not a process was going smoothly he would always give me a call. The next house I buy will be through Mark and NFM. "


    Dec 2018

    Reviewed by Edward L, North Chesterfield, VA

    "I can't stress how easy and professional everything was from the beginning until the end...this was incredibly easy."


    Dec 2018

    Reviewed by Andrew C, Richmond, VA

    "Mark, Tiffany and Sonya made sure that I was informed and aware the entire process! They took great care of me on the purchase of my first house. This group is professional and patient. I have and will continue to recommend NMF Lending to everyone I know looking to buy a house. "


    Nov 2018

    Reviewed by Jasmine L, Midlothian, VA

    "Mark is very knowledgeable about lending. He provided my husband and I with a great deal of information on the lending process. He is also very responsive! Mark helped ease some of the stress associated with buying a house and we are very thanksful for that! "

    Loan Tools

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


    Top Mortgage Employer 2019

    NFM Lending Named a Top Mortgage Employer

    LINTHICUM, MD, February 15, 2019— NFM Lending is proud to announce that it was named a Top Mortgage Industry Employer by National Mortgage Professional Magazine. This is the fourth time NFM Lending has received this honor. Each year, National Mortgage Professional Magazine distributes a survey …
    Read more

    Nicolas Alvarez

    NFM Lending salutes Nicolas Alvarez

    LINTHICUM, MD, February 6, 2019— NFM Lending is pleased to honor Private Nicolas Alvarez as the NFM Salute for February 2019. Upon graduation from high school, Pvt. Alvarez enlisted in the United States Marine Corps. He recently graduated from boot camp at the Marine Corps Recruit Depot at Parr…
    Read more

    Purchase a Home

    6 Steps to Purchase a New Home

    Buying a home is one of the most significant financial decisions you will make in your life. In order to make an informed decision, doing some research for each step of the process can help ensure a smooth transaction. Here are the 6 basic steps needed to purchase a home. Step 1: Get Pre-Qualifie…
    Read more

    Selling Home During Winter

    Why Winter is a Good Time to Sell Your Home

    If you’re ready to sell your home, you don’t need to wait until the spring just because that’s the more popular time. There are plenty of benefits to selling in the off season, even a few that can be monetary. Here are our top 5 reasons for why winter is a good time to sell your home. Low I…
    Read more

    Contact Me

    Mark Horton

    Mark Horton

    Loan Originator

    NMLS ID#:


    Toll Free:



    1512 Willow Lawn Drive, Suite 202, Richmond, VA 23230

    Ready to get started or have any loan questions? Contact me at 804-873-1075 or or submit the form below and I will call you.

    Contact Me

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