Lending Archives

Rowe attended the conference in order to prepare and educate the NFM Lending staff and their clients for the latest mortgage industry changes.

“I am very excited to attend this conference,” said Rowe. “The TILA-RESPA disclosure changes are the most significant our industry has experienced in decades. This is evident by the attendance in Chicago, which exceeds over 1,000 legal and compliance professionals. I look forward to implementing further changes at NFM Lending and utilizing the information from this critical event to do so.”

The Legal Issues and Regulatory Compliance Conference is “the preeminent gathering of industry leaders to consider it all, including best practices, organizational changes needed to assimilate to final rules and knowledge to educate staff,” according to the MBA website. In addition to sessions on TRID, the event will also features sessions on the Home Mortgage Disclosure Act (HMDA), Fair Lending, Ability to Repay, Secondary Market, Social Media, Ethics, and many other topics.

NFM Lending looks forward to continuing to prepare for the upcoming TRID changes and educating their team and their clients about this and other industry changes.

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

INTHICUM, MD, April 27, 2015 — NFM Lending congratulates Jane Floyd, a Branch Manager in Tampa, FL, for earning two rankings on the Scotsman Guide’s 2014 Top Originators lists.

“I, along with all of our NFM family, would like to congratulate Jane and her team on her outstanding numbers and her current ranking amongst her peers in both volume and units,” said David Silverman, CEO of NFM Lending. “Jane is a phenomenal time manager, as she juggles being a top performer with coaching and still putting her relationships and family first.”

Each year, the Scotsman Guide recognizes top producing mortgage loan originators throughout the United States. Originators can be ranked in any of the ten categories, including Top Dollar Volume, Most Loans Closed, and Top Purchase Volume, among others. Floyd was ranked in both the Top Dollar Volume category as well as Most Loans Closed. She ranked #172 of 300 in the Top Dollar Volume category, and #82 of 150 in the Most Loans Closed category.

“It’s only a matter of time that Jane Floyd will break the top ten of all Loan Originators nationwide,’ said Jan Ozga, President of NFM Lending. “Jane is the gold standard in the mortgage industry, and there are very few people that come close to matching her energy.”

Over 1,000 Originators from across the nation were considered for this year’s rankings. To be considered for the rankings, entrants must have either had at least $30 million in loan volume, or closed 100 home loans in the 2014 calendar year. Floyd had over $65 million in loan volume, and closed 302 loans in 2014.

“I am so grateful to be ranked in the Scotsman guide,” said Floyd. “It’s an amazing feeling to know we helped that many families achieve the dream of home ownership. I could not have done it without such an amazing company behind me.”

NFM Lending is proud of Floyd’s accomplishments and wishes her continued success.

LINTHICUM, MD, April 27, 2015 — NFM Lending, recognized as a 2015 Top Mortgage Employer by National Mortgage Professional Magazine, is currently hiring for sales positions at its retail branch locations in the Midwest region, and throughout the Unites States.

The company has experienced unprecedented growth over the last year, opening new branches in Las Vegas, NV; Hendersonville, TN; Palm Harbor and Jacksonville, FL; Zionsville, IN; and Gaithersburg, MD, in the last six months. After recent licensing approval in the state of Wisconsin, NFM Lending is now licensed in 29 states and has 31 locations throughout the United States.

“NFM doesn’t focus on being the biggest in the mortgage industry—we focus on being the best,” said Jan Ozga, President. “As a result of our commitment to delivering platinum-level service, our volume has doubled in recent years. NFM Lending does not believe in using hokey marketing campaigns or niche products to take us to the next level. We believe the way for continued growth is by providing exceptional service to both our clients and our employees, and in return, word of mouth will move us forward.”

In addition to its national expansion, NFM Lending has received several awards and recognitions already this year. In January, NFM Lending was named a 2015 Top Mortgage Employer by National Mortgage Professional Magazine. NFM Lending was also named a Top Work Place in the greater Baltimore region in 2012, 2013, and 2014 by The Baltimore Sun.

NFM Lending is hiring Branch Managers, Loan Originators, Processors, and Administrative Staff at many of its retail branches throughout the United States. Interested candidates should visit www.applynfm.com to apply.

LINTHICUM, MD., April 13, 2015 — NFM Lending is pleased to announce they are now licensed to lend in the state of Wisconsin. After recent approval by the State of Wisconsin, the residential mortgage lending company is currently licensed in 29 states across the country.

“Wisconsin has some of the hardest working people in the United States,” said Gregory Sher, Vice President Business Development. “The Badger State also boasts breathtaking scenery. We look forward to serving the people of Wisconsin by marrying our largest commonality: dependability and hard work.”

NFM Lending started as a small brokerage shop with 4 loan officers, and is now a multi-state lender with more than 300 employees and 41 operating branches. NFM Lending has been listed as one of the “Top 100 Mortgage Companies in America” and one of “The 50 Best Companies to Work for in America 2013” by Mortgage Executive Magazine. It was also ranked a “Top Mortgage Lender” by the Scotsman Guide in 2013, named a “Top Work Place in Baltimore” by The Baltimore Sun three years in a row, and has received many other awards and recognitions.

“We are excited to expand NFM Lending’s Midwest presence in the State of Wisconsin,” said Jason Ponsonby, Director of Sales. “NFM Lending’s sales-driven culture and high level of service combined with expansive product options brings additional opportunities for homeownership in the Midwest.”

NFM Lending (formerly NFM, Inc.) 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 Lender.”

On August 1, 2015, the mortgage industry will introduce two new loan disclosures. The Loan Estimate and the Closing Disclosure will be utilized on most applications taken after the effective date. These changes will be implemented by the Consumer Financial Protection Bureau (CFPB) under the CFPB’s rule making authority pursuant to the Dodd Frank Wall Street Reform and Consumer Protection Act.

What do the changes mean?

The Good Faith Estimate (GFE) and the Truth in Lending (TIL) disclosures will now be combined into the Loan Estimate for most transactions. Certain loans such as HELOC’s and reverse mortgage will still utilize the current disclosures. In addition the Closing Disclosure will replace the HUD-1, GFE, and TIL disclosures provided at settlement and must be delivered to the consumer three (3) business days prior to consummation.

The 1,888 pages of regulation that mandates the new disclosures and delivery requirements will not only impact lenders, but also other industry professionals. Because the rule expressly holds lenders liable for the accuracy and delivery of the Closing Disclosure, settlement agents companies and realtors must work closely to deliver all of the information necessary to ensure settlement is not delayed as a result of the three (3) business day delivery requirement.

NFM Lending is preparing for these changes and is constantly training our loan originators, realtors, settlement agents, and other industry partners to be up to date on this important industry change.

If you have any questions about NFM’s loan programs, please click here to contact one of our licensed loan originators.

LINTHICUM, MD., March 25, 2015 — NFM Lending is pleased to announce the opening of a new branch in Palm Harbor, Florida. The branch address is 2142 Alternate 19, Suite D, located in Palm Harbor. The NFM Lending branch will focus its lending platform throughout Florida. NFM Lending offers Conventional, FHA, VA, USDA, FNMA, Jumbo, and many other loan options. Visit the branch page to learn more: www.nfmlending.com/fl306

With over 18 years of leadership and residential mortgage experience, Branch Manager JoAnn Rooney attributes her success to growing up with 9 siblings, and her mid-west roots of hard work, honesty, integrity, exceeding customer expectations, and teamwork. JoAnn Rooney is an active member with both professional and community associations such as: incoming president for the Dunedin North Rotary club; graduate of 2007 Leadership Pinellas; Florida Association of Mortgage Professionals (FAMP); and speaker chair and board member for the National Association of Mortgage Brokers (NAMB).

Before joining the NFM Lending team, JoAnn Rooney founded and served as President of two Florida-based, full service mortgage brokerage companies: Your Mortgage Source, Inc. and My Mortgage Source, Inc. JoAnn Rooney and her team have been helping clients with all their mortgage needs for 18 years. The team will continue to service their borrowers with the same dedication to detail and customer service that has allowed our clients to be our best source for referrals.

The Palm Harbor 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.

About NFM Lending
NFM Lending (formerly NFM, Inc.) is a mortgage lending company currently licensed in 28 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 23, 2015— NFM Lending is proud to announce that Bernadette Pearson, Director of Human Resources, 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. Mrs. Pearson received the 2015 EMA Award for CHRO/Director of Human Resources for her exemplary talent management, improvement of organizational efficiency and workforce strategy, and her ability to develop and manage a strong corporate culture.

“Bernadette works with passion as an HR executive at NFM Lending,” said David Silverman, CEO of NFM Lending. “She gives 100 percent, and her actions speak to how much she cares about both the quality of her work as well as delivering the highest level of benefits to the employees of NFM. Bernadette consistently steps up and takes on whatever volume of work is required to best serve others and shares that energy with others, particularly with the charities that NFM is committed to.”

Pearson received her award at a ceremony at the Westin BWI Hotel on Thursday, March 19, 2015, and will be profiled in the March/April 2015 edition of the SmartCEO Magazine, both in print and online.

“I am honored to have been chosen to receive the SmartCEO Executive Management Award,” said Pearson. “We have worked hard at NFM to create an environment in which our employees feel valued and empowered to succeed. I am proud to have a role in growing and developing a diverse, cohesive team, and I look forward to continuing to cultivate the NFM family in the coming years.”

NFM Lending (formerly NFM, Inc.) 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.”

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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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