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!
Reviewed by Jonathan Eric W, Clarksburg, MD
"She was very professional in the prices and thoroughly explained everything we had questions on."
Reviewed by Tracy Deonn W, 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. "
Reviewed by Darrell Antione H, Gaithersburg, MD
"Pamela was very informative, updated me on any changes in a timely manor. Every thing went smooth. I have no complaints. "
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. "
Reviewed by Michael G, Gaithersburg, MD
"Always straight to the point and very quick to respond to any call"
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.
Pamela Christine Phillips
Mortgage Loan Originator