Pamela Christine Phillips
Pamela Christine Phillips

Pamela Christine Phillips

Mortgage Loan Originator | NMLS# 1532288 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!


Are you a Veteran looking to purchase a home?

Take advantage of the Veterans Affairs (VA) mortgage loan programs and all of the other benefits NFM Lending offers. Please call 240-751-4613×407 or email me to learn more about this program or to get pre-qualifed today!



Sep 2018

Reviewed by Darryl F, Gaithersburg, MD

"As first time home buyers, we needed a lot of guidance. Pamela was highly knowledgeable and informed us of varying processes to undertake, as well as optional programs available to help us, and kept in contact with us all the way to closing."


Aug 2018

Reviewed by Angeles R, Fort Washington, MD

"It was a great ride. I am well helped and informed!"


Jul 2018

Reviewed by Jonathan E, Clarksburg, MD

"She was very professional in the prices and thoroughly explained everything we had questions on."


Jun 2018

Reviewed by Tracy D, Burtonsville, MD

"Pam was very efficient throughout the process. Her knowledge and expertise made the experience easy. I would definitely recommend her to anyone looking to obtain a mortgage. "


Apr 2018

Reviewed by Darrell A, Gaithersburg, MD

"Pamela was very informative, updated me on any changes in a timely manor. Every thing went smooth. I have no complaints. "


Oct 2017

Reviewed by Thoressa S, Silver Spring, MD

"My experience was by far the best experience ever. Pam kept me abreast of everything that was going on. She was very professional, very pleasant and very knowledgeable of the process. Her timing to things was impeccable. I don’t think I could have worked with anyone else and received the white glove service like I did with Pam. "

Loan Tools

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


What is a DTI Ratio

What is a Debt-To-Income Ratio?

During the homebuying process, you’ll come across many terms, such as debt-to-income (DTI) ratio. This ratio allows your lender to see the balance you have between your income and your debts. You need to understand your DTI ratio, so you can be in the best financial standing before applying for…
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Holden Hall

NFM Lending salutes Holden Hall

LINTHICUM, MD, October 9, 2018— NFM Lending is pleased to honor Hospital Corpsman Third Class Holden Hall as the NFM Salute for October 2018. HM3 Hall grew up in small town Cameron, NC. During high school, he found success in the JROTC program, quickly excelling and earning leadership positions…
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Moving with Children or Pets

Moving with Children or Pets

We all know just how stressful moving can be. There are a ton of decisions to make and plans to coordinate. It’s important to recognize that moving impacts everyone. Use this advice to help you ensure a successful experience moving with children or pets. Children Before Make the move a daily to…
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Danny Banda Peoria, AZ

NFM Lending opens new branch in Peoria, AZ

LINTHICUM, MD, September 28, 2018 — NFM Lending is pleased to announce the opening of a new branch in Peoria, Arizona. The branch is located at 8631 W. Union Hills Dr, Suite 206A Peoria, AZ 85382 and will be led by Branch Manager Danny Banda. The NFM Lending branch will focus its lending platfo…
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Contact Me

Pamela Christine Phillips

Pamela Christine Phillips

Mortgage Loan Originator





6 Montgomery Village, Suite 350, Gaithersburg, MD 20879

Ready to get started or have any loan questions? Contact me at 240-751-4613x407 or or submit the form below and I will call you.

Contact Me

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