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LINTHICUM, MD, March 30, 2016— NFM Lending is proud to announce that it ranked one of the Top 100 Mortgage Companies in America 2015 by Mortgage Executive Magazine.

Each year, Mortgage Executive Magazine compiles a list of the nation’s top 100 mortgage companies and publicly traded banks by their total yearly mortgage volume. NFM Lending ranked in the 85^th spot on the list, with a mortgage volume of $1,043,406,509 and 4,448 loans closed.

“NFM has a solid foundation for growth, the best talent in the industry and continuously strives to identify ways to improve,” said Tom Sealock, Capital Markets Director. “It’s a true honor to receive this award and I am confident that we have the right pieces in place to continue this momentum.”

NFM Lending was founded in 1998 by David Silverman and his wife, Sandy. The company started as a small brokerage shop with 4 loan originators, and it is now licensed in 27 states, with more than 300 employees and over 40 retail branches.

“This is truly a team effort, and I could not be more proud of the group of dedicated individuals that I have the pleasure of working with,” said Bob Tyson, Chief Operating Officer. “Receiving this recognition is a well-deserved accomplishment for the hard work that each team member has put in.”

In addition to this most recent award, NFM Lending has been recognized many times for its exceptional company culture. In 2015 alone, it was named one of the Washington Post’s Top Work Places in the Washington, D.C. area; a Top Mortgage Employer by National Mortgage Professional Magazine; and one of Mortgage Executive Magazine’s Top 50 Best Companies to Work For. NFM Lending is proud of these accomplishments, and looks forward to another successful year.

NFM Lending is a mortgage lending company currently licensed in twenty-seven 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 29, 2016— NFM Lending’s local Tampa Branch looks forward to sponsoring the Coldwell Banker Tampa Bay CaresWalk on Saturday, April 2, 2016. The Tampa Bay CaresWalk is an annual event hosted by Coldwell Banker Residential Real Estate’s charitable non-profit, CARES.

“I am honored to be able to contribute to such an amazing foundation and be able to give back to those who have already given so much,” said Jane Floyd, Tampa Branch Manager.

The Coldwell Banker CARES foundation has raised more than $1 million for numerous non-profit organizations and charities, including the American Heart Association, Habitat for Humanity, and Vehicles for Change. This year’s CaresWalk will benefit the Gramatica Family Foundation, a non-profit, that provides energy efficient housing initiatives and development assistance to disabled military veterans and others in need.

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™.”

Recently, we discussed the first step in the home purchase process: getting pre-qualified. Getting pre-qualified allows you to enter the home buying process prepared, with a budget in mind. Once you’ve been pre-qualified, the second step in the home buying process is to choose your mortgage loan type.

Fixed-Rate vs. Adjustable-Rate
Mortgage loans are split into two types: fixed-rate and adjustable-rate. A fixed-rate mortgage has the same interest rate for the length of the mortgage term. Fixed-rate mortgages are usually available in either 15- or 30-year terms. The 30-year fixed rate mortgage is the most common type of mortgage.

An adjustable-rate mortgage has an interest rate that is usually fixed for a set period of time, and then periodically adjusted according to a specific benchmark. Many factors determine how the interest rate changes, including market conditions, financial index, etc.

Whether you should choose a fixed-rate or adjustable-rate mortgage depends on your personal financial situation, how long you plan to live in your home, how quickly you plan on paying your mortgage back, and many other factors. Your loan originator can help you determine which type will work best for you.

Once you have chosen the type of rate that is best for you, you can choose a loan program. Some of the most common loan programs are:

According to Gladys Marcelin, NFM Lending Georgia Branch Manager, the most important factors to take into consideration when choosing a loan program are your credit, your income stability, and your available assets. Your loan originator can work with you to choose the loan program that best suits your needs and financial situation.

In addition to working with a knowledgeable professional, educating yourself on the mortgage process is important, especially as a first-time homebuyer. Gladys recommends attending a homebuyers’ seminar, especially if you are a first-time homebuyer, to learn more about home loans and buying a home.

“Buying a home can be a tedious process, but it can also be rewarding and is a great accomplishment,” says Gladys.

If you have any questions about loan programs or the home buying process, contact us. If you are ready to start the home buying process, click here!

LINTHICUM, MD, March 23, 2016— NFM Lending is pleased to launch its NFM Salute initiative by honoring the first NFM Salute, Coulter C. Houchens, Sr., father of current NFM Lending employee, Jeanette Salamon.

“Our entire family is thrilled that my Daddy has been chosen as the first honoree for the NFM Salutes Campaign!” said Salamon. “He exhibits so much honor and pride in having served in WWII, and other than his family, it is his military service that he is proudest of. He remains to this day a silent hero, never boastful, but always remembering and giving the honor to the ‘boys’ he served with, who lost their lives in WWII, as being the real heroes. Thank you, NFM, for recognizing my Daddy, Coulter Christian Houchens, Sr., a man who served our country proudly.”

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 Jason Ponsonby, Director of Sales, who served in the United States Air Force for nine years.

“The NFM Salutes program is another great addition to the longstanding commitment to community involvement at NFM Lending,” said Ponsonby. “We help active military members and veterans each day with home ownership, and now will also be able to honor the service, sacrifice, and courage of the NFM Salute recipients. It is an honor to have Coulter Houchens, Sr. as the first recipient of a NFM Salute. His service during World War II is an incredible example of sacrifice and courage. Thank you to Coulter, and all members of the armed forces, and veterans, for your commitment to service in protecting our country.”

NFM Salutes is an initiative in which one military member or veteran is chosen each month to be honored as the “Salute of the Month.” Salutes will be chosen from nominations on the NFM Salute 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. Houchens chose the Gary Sinise Foundation to receive this month’s donation.

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.

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.”

“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.

Buying a home is one of the most significant financial decisions you will make in your life. Each step in the process is important to ensure a smooth transaction. Over the next several weeks, we will explore each step of the home buying process in detail. Experienced NFM Lending Mortgage Loan Originators will share advice and insight about each step, so you can be prepared when the time comes to buy a new home. In this blog, we will discuss the first step in the buying process: getting pre-qualified.

What is pre-qualification?
A pre-qualification is when a lender evaluates a loan applicant’s eligibility for a home loan. The Loan Originator collects information and documentation from the loan applicant, such as their employer information, gross income, asset information, and current expenses. The lender then gives the applicant an idea of whether they could qualify for a home loan, and the approximate amount of the loan they could qualify for.

Why get pre-qualified?
Pre-qualification allows you to enter the home buying process prepared. It makes your home search more efficient, and ensures that when it comes time to make an offer on a home, you are ready.

“It is important to get pre-qualified so that you will know what you can afford, what you will qualify for, and what types of homes you should be looking at,” says Bruce Dorsey, Mortgage Loan Originator with NFM Lending. “You want to know how much your payments will be, and have confidence that when you find your perfect house you can make an offer on the house and qualify for the loan. If you are not pre-qualified first, then when you do find your perfect house, you can make a credible offer on the house. Without this, you run the risk of losing the home you want because other potential buyers that are already pre-qualified may be making offers on the home.”

In addition to being prepared and helping you know your price range, getting pre-qualified will make it easier for you to hire a real estate agent. Real estate agents typically prefer to work with pre-qualified buyers, in order for them to be able to show you houses in your price range, and so they know you are prepared to make a credible offer on a home when the time comes.

Helpful tips for getting pre-qualified
You may be considering a home purchase later this year, or at some point in the near future. Below are some tips from Bruce Dorsey on preparing for the pre-qualification and home buying processes.

It is important to be as prepared as possible when you start the home buying process. Once you are pre-qualified, the next step is to choose your loan type. Stay tuned for our next blog on how to choose the loan type that is right for you.

If you have any questions about pre-qualification or the home buying process, contact us. If you are ready to get pre-qualified, click here!

*Please note that the pre-qualification does not constitute a commitment or a loan approval, but is instead a preliminary assessment of your current credit worthiness.

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.

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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.
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