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LINTHICUM, MD, March 21, 2016— NFM Lending is proud to announce the beginning of its latest charity initiative, the NFM Salute. This program, launched March 15, 2016, will honor veterans and active duty military members, giving them the recognition they deserve for their service to our country.

The NFM Salute will choose one military member or veteran each month to honor as their “Salute of the Month.” Salutes will be chosen from nominations on the NFM Salutes website, www.nfmsalute.com. The “Salute of the Month” will be featured on the website with a brief biography and information about his or her service, and NFM Lending will make a $2,500 donation to a military or veteran non-profit in the Salute’s name (select charities listed below).

“The NFM Salute program is a continuation of our efforts to honor those who have served or are currently serving in the U.S. Armed Forces around the world,” said David Silverman, CEO. “From our vantage point, we can never do enough. We will continue to look for new ways to pay it forward to those brave and courageous men and women who inspires us all.”

Military and veteran causes are important to NFM Lending. For the past eight years, NFM Lending has held a Support Our Troops Drive, collecting items for care packages to send to U.S. troops overseas. In addition to employees and employee family members who are active military or veterans, several members of NFM’s executive team are veterans, including Fred Sujat, Chief Compliance Officer.

“Having served in the U.S. Air Force as a Judge Advocate for over thirty years, I salute NFM for its recognition of all those veterans who, over the years, took time from their families and the comforts of their homes to serve our Nation,” said Sujat.

Selected NFM Salutes may choose from one of several non-profits that support active military members and veterans, including Platoon 22, AnySoldier, Soldier’s Wish, and the Gary Sinise Foundation. NFM looks forward to the opportunity to continue to honor our military and veterans through the NFM Salute initiative.

NFM Lending is a mortgage lending company currently licensed in 27 states in the U.S. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender™.”

LINTHICUM, MD, March 3, 2016— NFM Lending is proud to announce that LaTasha Rowe, General Counsel, has been honored with a SmartCEO Executive Management Award for her service to NFM Lending.

The SmartCEO Executive Management Award (EMA) Program recognizes C-suite executives that have gone above and beyond in their roles. Winners are divided into five categories: CFOs, CIOs/CTOs, General Counsel/Chief Legal Offices, Chief Human Resources Officers/Directors of Human Resources, and CXOs, for miscellaneous executive titles. Rowe received the 2016 EMA Award in the CXO category for her proven track record of success as General Counsel, history of growth within her position, and respected management philosophy and dutiful service to the mortgage industry and local community.

“LaTasha Rowe is much more than NFM’s General Counsel,” said Jan Ozga, President of NFM Lending. “She is a key ingredient to our growth, strategy and company safety. She has been the master architect of many of our critical company policies. LaTasha has been able to take a complicated mortgage compliance world and make it business-friendly. She is a vital member of the NFM Executive Team, and she interacts daily with both executives and employees on solving critical day-to-day activity.”

Rowe will receive her award at a ceremony at the Westin BWI Hotel on Thursday, March 24, 2016, and will be profiled in the March/April 2016 edition of the SmartCEO Magazine, both in print and online.

“I am looking forward to celebrating with my peers in the various industries represented by the award recipients,” said Rowe. “While we represent businesses offering different products and/or services, the underlying current is that we take our careers and the leadership roles within our organizations seriously. I salute my fellow award winners who will take a moment out of their busy schedules to celebrate this great accomplishment.”

NFM Lending is a mortgage lending company currently licensed in 27 states across the U.S. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender™.”

LINTHICUM, MD, March 2, 2016— NFM Lending is proud to announce that Matthew Glyder, Chief Financial Officer (CFO), has been honored with a 2016 SmartCEO Executive Management Award for his service to NFM Lending.

The SmartCEO Executive Management Award (EMA) Program recognizes C-suite executives that have gone above and beyond in their roles. Winners are divided into five categories: CFOs, CIOs/CTOs, General Counsel/Chief Legal Offices, Chief Human Resources Officers/Directors of Human Resources, and CXOs, for miscellaneous executive titles. Glyder received the 2016 EMA Award for CFOs for his outstanding ethics and integrity, effectiveness in raising capital, risk management, and efficient turnaround on projects.

“Matt Glyder has a tremendous workload and is responsible for the company’s financial recording and reporting,” said David Silverman, CEO. “He manages a full staff, sits on the executive panel, and manages over 30 P&L’s monthly. Matt is a rock. Systems and personnel have changed, but Matt’s execution and consistent work output have been extremely reliable. He has an incredibly patient and calm demeanor, and takes his responsibilities both at home and at work extremely seriously.”

Glyder will receive his award at the SmartCEO Executive Management Awards ceremony at the Westin BWI Hotel on Thursday, March 24, 2016, and will be profiled in the March/April 2016 edition of the SmartCEO Magazine, both in print and online.

“It is a great honor to receive the SmartCEO Executive Management Award for CFOs,” said Glyder. “I have worked hard to develop our finance team at NFM Lending so that we service both our internal and external customers in the best way possible, and I look forward to continuing the efforts. NFM Lending has grown tremendously over the past several years and I am really excited about our future.”

LINTHICUM, MD, March 1, 2016— NFM Lending is proud to announce that Gregory Sher, Vice President of Business Development, has been honored with a SmartCEO Executive Management Award for his service to NFM Lending.

The SmartCEO Executive Management Award (EMA) Program recognizes C-suite executives that have gone above and beyond in their roles. Winners are divided into five categories: CFOs, CIOs/CTOs, General Counsel/Chief Legal Offices, Chief Human Resources Officers/Directors of Human Resources, and CXOs, for miscellaneous executive titles. Sher received the 2016 EMA Award in the CXO category for his proven track record of success as Vice President of Business Development, history of growth within his position, and a respected management philosophy and dutiful service to the mortgage industry and local community.

“Greg Sher has been instrumental in NFM’s march to national prominence, by virtue of his 18 years of industry experience, and his knack for attracting top talent to NFM’s platform,” said Jan Ozga, President of NFM Lending. “I often refer to Greg as the ‘best door opener I have ever met.’ Greg is in a class by himself, and NFM is very lucky to have him in his role.”

Sher will receive his award at a ceremony at the Westin BWI Hotel on Thursday, March 24, 2016, and will be profiled in the March/April 2016 edition of the SmartCEO Magazine, both in print and online.

“I’m very fortunate to work with a group of individuals who make everyone else look great,” said Sher. “As far as I am concerned, any honor I receive is a shared honor with my esteemed colleagues. So, on behalf of everyone at NFM, thank you!”

About NFM Lending

For more information about NFM Lending, please contact:

NFM Lending
Toll Free: 1-888-233-0092
pr@nfmlending.com
www.nfmlending.com
Twitter handle: @NFM_Lending

For the online press release, click here.

When you submit an application for a home loan, one factor a lender will take into consideration is your employment history. A recent job change, a gap in work history, or a change in pay structure can all affect the home loan you qualify for. Lee Killen, a Branch Manager at NFM Lending, answered some questions about how your job history can affect your ability to qualify for a loan.

How can a recent job change impact a borrower’s eligibility for a home loan?
A recent job switch or position change at one’s current company can impact a Borrower’s eligibility for a home loan either positively or negatively, depending on the pay rate and type of pay being received (hourly, salary, or commission). The easiest transition is moving from a job in the same field with an increase in salary. The most detrimental transition when trying to purchase a house is moving from a salaried position, to a position with a large portion of your pay coming from commission. You will need to document two years’ history of commission or bonus income before it can be used to qualify for a home loan.

In what other ways do job history and pay structure affect mortgage eligibility?
A lender’s main responsibility when lending money is making sure the Borrower has the ability to repay. A large part of this process is verifying job and income stability. Your lender will verify a minimum of two years’ work and income history through tax returns, W2s, and pay stubs, along with a verification of employment from each employer over the last two years. Self-employed income and unreimbursed business expenses will also be reviewed, and can negatively affect your ability to qualify for a mortgage. Make sure your mortgage professional has received and reviewed this documentation prior to entering into a purchase transaction. Please note that a major change in pay structure can also affect your ability to qualify. Changing from a salaried position to a commission-based pay structure could disqualify you for a loan if the change took place within the last two years. Commission or bonus income also requires a full two-year history.

What advice do you have for someone who has switched jobs recently, or is thinking of doing so, and also wants to apply for a mortgage?
If you are thinking of switching jobs and want to qualify for a home mortgage in the near future, it is recommended that you consult with a mortgage professional who can advise you as to whether a job move will negatively affect your ability to qualify for a mortgage. If you have already changed jobs, make sure you explain the reason for the change to your mortgage professional. This will need to be addressed in the financing process. Position and income changes are the key things lenders will look at. If you are staying in the same line of work and your income is increasing, this is typically not a problem.

When you are ready to purchase a home, be sure to talk to your lender and find out how any income or job changes will affect your loan eligibility. By staying prepared and working with a reputable lender, you can avoid stress and take the steps necessary to get qualified for a mortgage. For more information, or to get started with the pre-qualification process, click here to contact Lee Killen or one of our licensed Mortgage Loan Originators!

LINTHICUM, MD, November 2, 2015 — NFM Lending is pleased to announce the opening of a new branch in Glen Allen, Virginia. The branch will focus its lending platform throughout the state of Virginia. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options.

“NFM Lending offers us marketing resources, the operations staff to close loans quickly and smoothly, independence in our branch to shape the best customer experience as we see fit, competitive products, and a great culture and atmosphere in which to work in this challenging industry,” said Greg Cowart, Branch Manager. “The quality of departmental and company leadership here is second to none. We now have the best chance to take the best care of our clients, agents, and builders by joining NFM Lending.”

The Glen Allen branch is currently hiring qualified Loan Originators for full and part-time positions. The branch’s goal is to provide top-notch service, commitment, and dedication to borrowers, ranging from first time homebuyers, to seasoned buyers looking for their next home, a second home, or investment properties. Visit the branch page to learn more: https://nfmlending.com/VA318.

NFM Lending is a mortgage lending company currently licensed in 29 states across the U.S. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender.”™

LINTHICUM, MD, October 26, 2015— NFM Lending’s CEO, David Silverman will be a panelist on a mortgage executive panel at this year’s Mastermind Summit on November 4, 2015, in Atlantic City, New Jersey. Silverman will join mortgage industry leaders from across the country for this premier executive symposium that addresses critical issues and the future direction of the mortgage finance industry.

The Mastermind Summit is an annual networking event and sales conference hosted by Mortgage Executive Magazine for real estate and mortgage professionals. The event features keynote speakers, roundtable discussions, panels, and breakout sessions lead by sales professionals, trainers, and executives. The executive session, at which Silverman will speak, is an exclusive invitation-only event for managers of leading mortgage companies.

“I am honored to be asked to be on a panel at this year’s Mastermind,” said Silverman. “I look forward to the opportunity to help share our best practices and learn from not only the other panelists, but those in attendance.”

NFM Lending has prospered under Silverman’s leadership, and continues to receive national recognition. The company was named one of the 50 Best Companies to Work For in 2015 by Mortgage Executive Magazine; one of the Washington Post’s Top Work Places in the Washington, D.C. area in 2015; a Top Mortgage Employer by National Mortgage Professional Magazine in 2015; and a Top Work Place in the Baltimore area by The Baltimore Sun in 2012, 2013, and 2014. Silverman received Mortgage Executive Magazine’s Most Influential Mortgage Executives award this year for the third year in a row.

NFM Lending was founded in March of 1998, by David Silverman and his wife Sandy. The company started as a small brokerage shop with only 4 Loan Originators and is now a multi-state lender with more than 300 employees, 39 retail branches, and is licensed in 29 states.

NFM Lending is a mortgage lending company currently licensed in 29 states in the U.S. The company was founded in Baltimore, Maryland in 1998. They attribute their success in the mortgage industry to their steadfast commitment to customers and the community. NFM Lending has firmly planted itself in the home loan marketplace as “America’s Common Sense Residential Mortgage Lender.™”

LINTHICUM, MD, October 5, 2015 — NFM Lending is pleased to announce the opening of a new branch in New Orleans, Louisiana. The branch will focus its lending platform throughout the New Orleans area. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options. Visit the branch page to learn more: https://nfmlending.com/la317.

Jennifer Cook, Branch Manager, has worked in the mortgage industry for over 10 years. She has been part of the NFM Lending family since 2009 as a Loan Originator and Branch Manager, working out of the Corporate office in Linthicum, Maryland. She looks forward to the opportunity expand her business to the great state of Louisiana.

“I have been with NFM lending since 2009 and decided to branch out into a new location,” said Cook. “I have stayed with NFM because of their commitment to getting loans closed with the least stress possible for my buyers. NFM has great people in both the front and back of the house that truly care about our clients. Our strong operations team means I can focus on growing my business and helping people get into their dream homes.”

The New Orleans branch currently has openings for qualified Mortgage Loan Originators for full and part-time positions. The branch’s goal is to continue to provide the same commitment and dedication to borrowers ranging from first time homebuyers, to seasoned buyers looking for their next home, a second home, or investment properties.

Jane Floyd and her team at NFM Lending celebrated the opening of their new location on Wednesday, September 16, 2015. The new location is 14497 North Dale Mabry Highway Suite 235N, Tampa, FL 33618.

The branch celebrated the move by hosting a Grand Opening celebration. Jan Ozga, President of NFM Lending, attended with other Executives, management staff, and employees to congratulate the branch on this exciting change.

LINTHICUM, MD, August 28, 2015— NFM Lending is proud to announce David Silverman, CEO, has been named one of the 100 Most Influential Mortgage Executives in America by Mortgage Executive Magazine for 2015.

Each year, Mortgage Executive Magazine recognizes mortgage executives that have built their companies and service their clients and employees through service, dedication and hard work. The winning executives were asked to provide their insights on the mortgage industry’s opportunities and challenges today. Silverman spoke about NFM Lending’s increased focus on selective recruiting:

“The biggest opportunity for NFM Lending this year is to be selective with our origination recruits and focus on better, not bigger. Fortunately, the demand for service and product remains very high with a smaller supply of human capital across the industry. We believe this is a great time to be selective as well as bring new blood into the mortgage space and train them up.”

“I am truly honored to be recognized again amongst so many spectacular leaders in our industry,” said Silverman. “All I can do is continue to work towards being the best leader I can be for my company and those that I am blessed to have on my team making me look good. I surround myself with the best, and occasionally some of it rubs off on me.”

NFM Lending was founded in March of 1998 by David Silverman and his wife Sandy. The company started as a small brokerage shop with 4 loan originators and is now a multi-state lender with more than 350 employees, 39 retail branches, and is licensed in 29 states.

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All FHA Case Transfer Requests must be sent in writing via email to: FHAINFO@nfmlending.com. The request must include the FHA Case number, the new lender’s Origination ID or Sponsor ID, the full subject property address, and a letter signed and dated by the borrower expressing desire for the transfer.
Request for payoff should be submitted to the current servicer of the loan:
If your loan is being serviced by the NFM Lake Zurich Servicing Center, please call 1-866-352-6802 to request a payoff. You can also request a payoff via the online borrower portal, if you are a registered user on the portal.
If your loan is being serviced by the NFM Lending Linthicum Maryland Office, you may submit the request to Servicing@nfmlending.com or call 1-866-765-1827.
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