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: http://www.baltimoresun.com/business/jobs/topworkplaces-2015/bal-top-workplaces-2015-nfm-lending-story.html
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.
Reviewed by Joshua C, Manakin Sabot, VA
"Mark did a tremendous job -- he accelerated the process to close early, and stayed on top of the entire process. Would not hesitate to recommend him in the future. Josh"
Reviewed by Leslie J, Richmond, VA
"Mark Horton and his team at NFM are nothing short of amazing! As a first-time home buyer, I had a lot of nerves and a lot of questions. I like to read and make sure I understand everything before committing to things. Mark took the time to answer all of my questions. We even sat down for a couple of hours and went over everything - from understanding loan rate, to estimating my monthly mortgage costs, etc. I also have a wonderful but protective mother, and Mark was great with her as well! "
Reviewed by Melba J, Chesterfield, VA
"Mark was very easy to work with regarding our loan process and kept us informed every step of the way."
Reviewed by Jeffrey T, Chesterfield, VA
"The online portal was easy to use and it made the process smooth and convenient for me to provide the necessary documents to close the loan. "
Reviewed by Glendon D, Richmond, VA
"I would like to THANK!!!! Mark, Mandy and Tracy for the exceptional service they provided to me...All were wonderful in the process as I was a first time home buyer. I am/would recommend them to anyone to the team! I will see you guys on my next purchase!!! Thanks again!!! "
Reviewed by Aaron S, Henrico, VA
"Mark and the entire NFM team are outstanding consummate pros at what they do. Communication is Paramount to them and you're never left wondering "what next?" They all go the extra mile for their client. I literally felt like family. "
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.