Alicia Harkowa
Sr. Loan Officer NMLS# 698954, Company NMLS#2893. ...
As an experienced loan officer of going on 17+ years I available to guide your clients through one of the most important decisions of their life. Let’s face it, besides marriage and the birth of our children, home buying ranks up there with...... Show More
Location & Business Hours
Business Hours
Wed
24 hours
Thu
24 hours
Fri
24 hours
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Reviews from Web
They were wonderful and made sure I was taken care of.
Reply from Alicia Harkowa
June 29th, 2026 04:51 PM
I'm happy to know that you felt well taken care of, Subria. It's important to me to ensure a wonderful experience for each client, and I'm grateful for your kind words.
Alicia Harkowa has received a review with 5 star rating from Amy M
Reply from Alicia Harkowa
June 29th, 2026 05:00 PM
Thank you, Amy, for the perfect rating. I'm grateful for your support and trust in my services at NFM Lending.
Alicia was wonderful . Quick response times and when I had questions she was a phone call away .
Reply from Alicia Harkowa
June 19th, 2026 02:42 PM
I'm grateful for your kind words, Amy. It's nice to know that my quick response times and availability by phone made a positive impact on your experience. Thank you for sharing your feedback!
The process was outstanding!
Reply from Alicia Harkowa
June 29th, 2026 05:11 PM
I'm grateful to hear that you found the process outstanding, Marcus. It's always my aim to provide a smooth and positive experience. Thank you for sharing your kind words!
Everything went so smoothly and I was thinking it would be difficult but the process was outstanding!
Reply from Alicia Harkowa
June 19th, 2026 02:42 PM
Marcus, I'm pleased to hear that the process surpassed your expectations and went smoothly. It's important to me to make the experience as seamless as possible, and I'm grateful for your kind words. Thank you for sharing your positive experience!...
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This was our first time buying a home and it went very smoothly and enjoyable
Reply from Alicia Harkowa
June 19th, 2026 02:42 PM
I'm happy to hear that your first home-buying experience went smoothly and was enjoyable, Amy. It's wonderful to know that I could assist you during such an important milestone. Thank you for sharing your positive experience!
It was very good
Reply from Alicia Harkowa
June 9th, 2026 03:08 PM
Thank you, LaTasha, for your kind words. I'm happy to know you had a very good experience with NFM Lending.
Excellt communication and thoroughness.
Reply from Alicia Harkowa
June 8th, 2026 02:17 PM
Thank you for your kind words, Santiago. I'm pleased to know that you appreciated the communication and thoroughness during your experience with me at NFM Lending.
Every thing was great would recommend to family and friends
Reply from Alicia Harkowa
June 1st, 2026 04:31 PM
I'm happy to hear that everything went well, Jeffrey. Your willingness to recommend me to your family and friends is greatly appreciated. Thank you for your kind words! Can't wait to see the final product when its built.
Alicia was very amazing to work with she was clear, honest and efficient! She answered every question and concern I had she was reass me of my approval and made underwriting a breez. I had heard so many horror stories about peoples financing...
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Reply from Owner
June 1st, 2026 01:23 PM
Thank you for your kind words, Shannon. I'm happy to hear that my efforts in ensuring a clear and efficient process helped ease your concerns about underwriting. I'm also glad we secured the FHLB grant for you in time. Your positive experience...
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About
As an experienced loan officer of going on 17+ years I available to guide your clients through one of the most important decisions of their life. Let’s face it, besides marriage and the birth of our children, home buying ranks up there with them as “life” changers. Whether they are purchasing their first home, an investment home, refinancing or just need mortgage advice, I can help.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
Specialities
Conventional Loans
FHA Loans
VA Loans
USDA Loans
MMP Loans
FHLB Grant
Search Rank ScoreLearn More →
481
/850
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Memberships
- Baltimore Real Producers
- Chesapeake Real Producers
- Anne Arundel County Board of Realtors
Addresses and Serving Areas
Year Started
2006
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 698954
- Company NMLS#2893
Achievements
- Top Producing Loan Officer, Presidents Club, Baltimore and Chesapeake Real producer
Hobbies
- Touring Wineries
- Gardening
- Traveling
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Disclaimer
NFM Lending, LLC does business as NFM Lending. NFM Lending, LLC’s Nationwide Mortgage Licensing System (NMLS) Company Identifier Number is 2893 (https://www.nmlsconsumeraccess.org) For additional licensing information, please visit: https://www.nfmlending.com/licensing/. NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2026.
