Alicia Harkowa at NFM Lending
Sales Manager/ Senior Home Loan Consultant | NMLS#...
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
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24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Reviews from Web
I had a wonderful experience, especially in communication, I got my first house my 1st now my second home through your organization, hoping for the next
Adesola
Reply from Alicia Harkowa at NFM Lending
August 9th, 2026 03:14 PM
Adesola, I'm grateful for your kind words and pleased to hear about your wonderful experience with us. It's great to know that communication was a strong point and that we've been able to assist you in getting both your first and second homes....
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Thank you to NFM Lending for working with me and my family to purchase our home. What a wonderful group of ladies to work with. From our very first call we knew we were taken care of. We appreciate your patience with us. This was a journey...
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Reply from Alicia Harkowa at NFM Lending
August 5th, 2026 01:48 PM
I'm grateful for your kind words, Lenore. It means a lot to hear that you and your family felt supported and well taken care of throughout the home-buying journey. I'm pleased that our team could be by your side every step of the way, providing...
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Alicia Harkowa at NFM Lending has received a review with 5 star rating from Valerie M
The loan process was much easier than I expected
Reply from Alicia Harkowa at NFM Lending
August 4th, 2026 02:05 PM
Valerie, I'm happy to hear that the loan process was easier than you expected. Making the experience smooth and straightforward is always my goal. Thank you for sharing your feedback!
Very helful with all our question. 100% recommemd
Reply from Owner
August 4th, 2026 02:05 PM
Marvin, I'm grateful for your kind words and recommendation. It's great to know that I could assist you with all your questions.
Very helful with all our question.
Reply from Alicia Harkowa at NFM Lending
July 31st, 2026 01:28 PM
I'm happy to hear that I could assist with all your questions, Marvin. It's important to me that you feel supported and informed throughout the process.
Alicia is amazing at what she does! I've used her for two of my own home purchases and a refinacne. She has consistently provided exceptional service. I've also referred many of my clients to her, and they have all had great experiences. She...
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Reply from Alicia Harkowa at NFM Lending
July 30th, 2026 01:44 PM
Thank you so much Gabby for your amazing feedback. My team and I strive to make every transaction a smooth one for all of our clients. I am so excited for you and your family with this most recent purchase, looking forward to seeing the result....
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Advice was very professional and immediately responsive to all our questions and concerns. Of highly recommend her
Reply from Alicia Harkowa at NFM Lending
July 28th, 2026 05:49 PM
Thank you for your kind words, John. I'm pleased to know that you found my advice professional and responsive. Your recommendation means a lot to me, and I'm glad I could assist with all your questions and concerns.
Alicia and her team are fantastic communicators and are incredibly pleasant and easy to work with.
Reply from Alicia Harkowa at NFM Lending
July 28th, 2026 05:49 PM
Asia, I appreciate your kind words about my team's communication and the pleasant experience you had with us. I'm happy to know that working with us was easy and enjoyable for you. Thank you for sharing your positive experience!
Very easy! Communication was prompt and clear. Directions on how and why to submit items were helpful and clear. Everything was handled easily.
Reply from Alicia Harkowa at NFM Lending
July 27th, 2026 12:46 PM
Karyn, I'm happy to know that the process felt easy and communication was prompt and clear for you. Providing helpful directions and ensuring everything is handled smoothly is important to me. Thank you for sharing 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
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Memberships
- Baltimore Real Producers
- Chesapeake Real Producers
- Anne Arundel County Board of Realtors
Addresses and Serving Areas
Primary Serving Area
Other 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.
