veterans Archives

LINTHICUM, MD, November 1, 2016— NFM Lending is pleased to honor Edward Strine as the NFM Salute for November 2016

Strine served in the U.S. Navy from 1944-1946, and spent much of his time in the military in the keel of a ship serving in the engine and fire rooms as a Fireman First Class. One of the carriers he served on during WWII was the USS Aaron Ward. On May 3, 1945, the Aaron Ward was attacked by Kamikaze airplanes, leaving Strine on the deck severely burned and dying. While one of his friends was loading up the soldiers who had not survived the attack into body bags to be thrown overboard, he noticed that Strine was still breathing and got him medical help, saving his life. Strine is featured in a book about the attack, and recently hosted a Navy Pilot who has been trying to meet the 13 remaining survivors of the 360 men aboard the USS Aaron Ward.

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 are 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. This month, NFM Lending will donate to Soldier’s Wish in Strine’s name.

Selected NFM Salutes may choose from one of the following four non-profits: Platoon 22, AnySoldier, Soldier’s Wish, and the Gary Sinise Foundation. NFM looks forward to the opportunity to continue to honor military and Veterans through the NFM Salute initiative.

“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 1, 2016— NFM Lending is pleased to honor Corvin Arterburn, Jr. as the NFM Salute for October 2016.

Arterburn and his friends joined the Navy to help with efforts during WWII in September 1944, while they were still in high school. Arterburn was on a Landing Craft Infantry (LCI) and a Landing Ship Tank (LST) that transported Japanese prisoners to Yokohama, Japan. After completing his service in the Navy in 1946, Arterburn returned to his small hometown of Glasgow, Kentucky, and finished up his senior year of high school. Later, Arterburn joined the Army Reserves. When the Korean War began, he was called up for active duty from 1950 to 1952, interrupting his college studies. He was stationed at Ft. Bragg, North Carolina, with the 18th Airborne Corp. as a Master Sergeant and an Army-trained stenographer. In 1951, he married his wife, Greta, with whom he had three children.

After he was discharged from the Army, Arterburn returned to college and graduated from the University of Louisville in 1957 with a degree in business, while raising a family and attending night classes after work. He entered the tech world early as a senior systems analyst and stayed in the field of early computers until he retired. Arterburn passed away in 1996.

“I’m very proud of my dad, who held this country dear to his heart, and was willing to step forward and serve in two military branches to help protect our wonderful nation,” said Cruse.

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 are 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. Cruse chose The Gary Sinise Foundation to receive this month’s donation.

LINTHICUM, MD, September 2, 2016— NFM Lending is pleased to honor Shad Lorenz as the NFM Salute for September 2016.

Shad is a 12 year United States Army Veteran with two combat deployments in support of Operation Iraqi Freedom. During his 12 years of service, he has conducted extensive military training both physically and mentally challenging. After September 11th , Shad enlisted in the United States Army. Enlisting in the Infantry was a big step towards his interest in fitness. Outside of the Military, Shad was introduced to weightlifting through friends, who would lift weights after work and on weekends. It started out as a hobby, but began to evolve the more he looked into the sport of weightlifting. Lorenz and his wife eventually would open CrossFit Germantown Performance, a gym in Germantown, MD.

“I joined the Army on September 11, 2001 because of the attack on our soil,” said Lorenz. “I wanted to serve and do my part for my country. After spending 12 years in active duty and serving with some of the finest soldiers I have had the privilege to meet, serving my country with the people I have and supporting this country is the greatest honor I have ever been a part of.”

“Shad is a wonderful, loving and extremely giving person,” said Piantone. “He loves to train people in physical fitness to help them be the best version of themselves possible. He is a selfless bleeding heart who would give you the shirt off his back while he’s fiercely protecting his family and community from enemies and dangers.”

NFM Salute is an initiative in which one military member or Veteran is chosen each month to be honored as the “Salute of the Month.” Salutes are 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. Lorenz chose The Gary Sinise Foundation to receive this month’s donation.

“NFM Lending is a mortgage lending company currently licensed in 28 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, August 1, 2016— NFM Lending is pleased to honor Sergeant Major (Retired) Gregory W. Heffner as the NFM Salute for August 2016.

SGM (Ret) Gregory W. Heffner served honorably in the Maryland Army National Guard for over 35 years, entering service on January 20, 1974. Heffner worked in numerous key assignments culminating at the National Guard Bureau Policy Division, Arlington, Virginia until his retirement in February 2009. He has received many accolades for his service, including the Legion of Merit, the Meritorious Service Medal, and the Army Commendation Medal.

Heffner remains at the National Guard Bureau as a Department of the Army Civilian, GS 13. He is a lifelong resident of Frederick, MD, and has been married to his wife, Terry Lynn Heffner, for over 41 years. He has two daughters, Hilery Leatherman and Katherine Speilman, and seven grandchildren.

“I nominated my Dad, SGM Greg Heffner, because he is the most patriotic person I know,” said Leatherman. “He loves our country, served 35 years active duty, and now that he’s retired, he is still working as a civilian for the MDARNG as a policy writer. He has always been someone that others call on for advice, assistance or anything regarding other soldiers.”

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 are 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. Heffner chose Platoon 22 to receive this month’s donation.

LINTHICUM, MD, July 1, 2016— NFM Lending is pleased to honor Barry Wyllie as the NFM Salute for July 2016.

Barry Wyllie grew up in Dunedin, Florida where he graduated from Dunedin High School in 1995. Following in both his father and grandfather’s footsteps, he enlisted the United States Army as a combat medic, where after graduating from airborne school, was assigned to the 2-505^th Parachute Infantry Regiment of the 82^nd Airborne Division at Fort Bragg, North Carolina. Throughout his 4½ -year enlistment, Wyllie rose through the ranks to a Sergeant/E-5, serving as a senior line medic with training deployments to Kazakhstan, Uzbekistan and later to Haiti for 9 months in 1999, in support of Operation Uphold Democracy. After 54 successful airborne parachute operations, Wyllie ended his initial enlistment term with an honorable discharge in 2000.

Wyllie now resides in the Boston, Massachusetts area with his wife, Nancy, and three kids, Ashton, Brayden, and Alexis. He is a Branch Manager for NFM Lending in Raynham, Massachusetts, where he takes great pride in helping fellow Veterans understand and utilize their earned benefits for home ownership. Wyllie was nominated by his fellow Branch Manager, Bill Driscoll.

“Barry takes great pride in everything he does, and is constantly trying to help others be the best they can be,” said Driscoll. “One of Barry’s favorite quotes from Lt. Col. Hal Moore is ‘American soldiers in battle don’t fight for what some president says on TV, they don’t fight for mom, apple pie, or the American flag…they fight for one another.’ Barry’s military background has helped him become a determined and focused businessman, while also being a great father, husband, and friend willing to go the extra mile for anyone.”

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 are 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. Wyllie chose AnySoldier to receive this month’s donation.

“Barry’s drive and commitment for success is a prime example of the NFM attitude,” said Bob Tyson, COO/CAO. “His prior military experience brings a unique perspective to the team. It is an honor to have Barry at NFM, striving for progress in and out of the workplace.”

NFM Lending is a mortgage lending company currently licensed in 28 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, May 2, 2016— NFM Lending is pleased to honor Lt. Col. Beth Ann Lumpkin as the NFM Salute for May 2016.

Lt. Col. Beth Ann Lumpkin received a direct commission into the United States Air Force in 1990. Her military assignments included the following: Andrews Air Force Base, MD; Kunsan Air Base, Republic of Korea; Ramstein Air Base, Germany; Scott Air Force Base, IL; Brooks Air Force Base, TX; Wright-Patterson Air Force Base, OH and Joint Base McGuire-Dix-Lakehurst, NJ. A majority of her career was in flight nursing and aeromedical evacuation. In June 1996, she worked in the Aeromedical Staging Facility at Landstuhl Regional Medical Center. She then flew as a flight nurse on the C-9 Nightingale while stationed at Scott AFB, IL from 1996-1999. Lt. Col. Lumpkin then taught the Flight Nursing and Critical Care Air Transport Team Courses at Brooks City Base, San Antonio, TX to active duty, guard, reserve and international students. She deployed in summer of 2007 to Al Udeid Air Base, Qatar and was responsible for getting the aeromedical evacuation airlift for the wounded in Iraq, Afghanistan and Horn of Africa. While deployed, her sister and brother-in law, Joanne and Francis West, had custody of her children, then ages 4, 3 and 1. Upon her military retirement in 2012, Lt. Col. Lumpkin started her second career as a Junior Air Force Reserve Officer Training Corp (JROTC) Instructor at Washington Township High School in Sewell, NJ.

Lumpkin was nominated as the NFM Salute for May by her brother-in-law, Francis West.

“We are so proud of Beth Ann’s service to our Country and her family,” said West. “Her dream was to travel the world and she did, all while serving in the US Air Force. She is the mother of three great kids and involved in their activities as well as teaching ROTC. She has a strong bond with her sister, Joanne, and I am proud to be her brother-in-law.”

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. Lumpkin chose Soldier’s Wish 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 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, April 4, 2016— NFM Lending is pleased to honor Danny Farrar as the NFM Salute for April 2016.

Robert (Danny) Farrar, III, went into the Army straight out of High school joining up as an infantryman. His tenure in the Army saw him take the first search and rescue team into the Pentagon on 9-11, and a combat tour in Iraq from 2005-2006. Farrar went from being homeless and dealing with depression, to building SoldierFit and being selected to the 2013 “Top 40 under 40 V.I.P” by The Daily Record, as well as one of the Top 5 Men’s Health Ultimate Guys. SoldierFit is a gym based out of Frederick MD, which started as one sub-let location and has since grown to 3 stand-alone facilities with 3,000 members and 50 employees.

Recently, he co-founded Platoon 22, a 501(c) that combats veteran suicides. His goal is to revitalize the American dream and remind his fellow Americans no other soil on earth is more fertile for their dreams then America’s. Farrar was nominated by Jeremy Poling, a Mortgage Loan Originator at NFM Lending, who volunteers at Platoon 22.

“Over the last few years, I have watched this young man work hard to start the work in motion at Platoon 22,” said Poling. “As a husband, father, student, business owner, advocate, and friend he spends each day trying to help everyone around him with the last thought in mind on himself. His story is raw, with a past that is difficult to understand unless you spend time and talk to him. His service to our country, combined with the sacrifices he continues to make for our community, is unmatched in my eyes. I am proud to call him a friend.”

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. Farrar chose Platoon 22 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 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.

NFM Lending is proud to sponsor the Navy SEAL Foundation, an organization that provides assistance and support to Navy SEALs and their families. The Foundation offers programs that help these warriors and their families financially, emotionally, and mentally, including educational opportunities, tragedy assistance, survivor support, and legacy preservation.

This past month, NFM Lending held its 8^th annual Support Our Troops Drive, sending 150 care packages to U.S. troops deployed overseas. NFM Lending is proud to support the U.S. military and veterans, and is grateful for the opportunity to support the Navy SEAL Foundation.

A Veterans Affairs (VA) loan allows you to buy your home with 100% financing or no down payment. However, there still will be other costs associated with the loan. You most likely still will need an earnest money deposit and closing costs to cover. You may be able to get the seller to cover some of the closing costs during settlement, up to 4% for a VA loan. When buying a home using VA financing, closing costs cannot be rolled into the loan. There are some costs that can be financed such as the VA funding fee.

For first-time home buyers, the VA funding fee ranges from 2.15% to 2.4% of the purchase price. If you are receiving any form of disability from Veterans Affairs, then the funding fee may be waived. The funding fee is based on various loan characteristics. On an Interest Rate Reduction Refinance Loan, an appraisal is not required, but the lender may require a drive-by-appraisal. Income documentation is not required, but source of income must be verified. On a purchase loan, the sales price cannot exceed the appraised value.

In general, when buying a home using 100% VA financing, the closing costs can range from 3.5% to 5.5% of the purchase price of the home. Closing cost can range from loan origination fees from the lender, credit report cost, appraisal, recordation cost, title fees, and transfer taxes, to name a few. If the 4% in closing cost assistance from the seller doesn’t cover these costs, then the remaining difference is the responsibility of the buyer. Also note, as a new home owner you will want to have some savings available after settlement in case of an emergency, and to pay for any added expenses once you move in, such as moving and purchasing curtains, lawnmowers, appliances, etc.

If you are ready to purchase a home with your VA benefits, keep in mind that there is a difference between down payment and closing cost.

Bruce Dorsey is employed by NFM, Inc. as a Mortgage Loan Originator, NMLS #174898. NFM, Inc. is a Veterans Affairs Automatic Lender (659985-00-00) under the trade name NFM Lending. NFM, Inc. is licensed as: Maryland Mortgage Lender (5330) under the trade name NFM Lending. For NFM lending’s complete licensing information, please go to www.nfmlending.com/licensing. NFM, Inc.’s Nationwide Mortgage Licensing System (NMLS) Company Identifier Number is 2893. NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. NFM, Inc. is an equal housing 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.
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