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(Open now)
Thu
24 hours
Fri
24 hours
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Reviews from Web
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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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 Alicia Harkowa
June 1st, 2026 01:23 PM
Thank you so much for your amazing review. Wishing you and your family many happy years ahead in your new home.
Alicia and her team were amazing to work with! She always took the time to answer my questions, kept me in the loop throughout the whole process, and made buying a home feel a lot less stressful. I really appreciated how responsive and helpful...
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Reply from Owner
June 1st, 2026 01:25 PM
Thank you so much for your kind words, Jefferson. I'm pleased to hear that I could help make the home-buying process less stressful for you. Keeping you informed and answering your questions was important to me, and I'm grateful to know you...
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Alicia was amazing to work with! She always took the time to answer my questions, kept me in the loop throughout the whole process, and made buying a home feel a lot less stressful. I really appreciated how responsive and helpful she was every...
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Reply from Alicia Harkowa
June 1st, 2026 01:25 PM
Thank you so much for your kind words, Jefferson. I'm grateful that I could help make the home-buying process less stressful for you and keep you informed at every step. Your recommendation means a lot to me, and I'm glad to have been able...
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The process went smoothly. The entire team was very professional and vailable to answer any questions.
Reply from Alicia Harkowa
June 1st, 2026 01:25 PM
Thank you for sharing your experience, Rhonda. I'm pleased to know that the process went smoothly and that our team's professionalism and availability met your needs. Your feedback is greatly appreciated.
My experience was good only suggestion I have is that closing dates should be estimated after the buyer receives their reservation number from FHLB because that is the longest wait period.But Alicia was very helpful and supportive the whole...
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Reply from Alicia Harkowa
May 22nd, 2026 12:54 PM
Thank you for your feedback, Kayla. I'm grateful for your kind words and pleased to hear that you found my support and knowledge helpful throughout the process. I appreciate your suggestion about the closing dates and will certainly keep it...
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Alicia Harkowa has received a review with 5 star rating from Sharon G
Reply from Owner
May 22nd, 2026 12:54 PM
Thank you, sharon, for the excellent rating! I'm pleased to know your experience was positive.
Alicia is experienced and knowledgeable about loan programs and her level of expertise is reassuring . Highly recommend!
Reply from Alicia Harkowa
May 22nd, 2026 12:54 PM
Thank you, Sharon, for your kind words about my expertise and knowledge in loan programs. I'm glad to know that you found my support reassuring. Your recommendation means a lot to me!
Working with Alicia and Susanne is always a treat! They take care of my clients the same way I do! Their communication, professionalism and compassion is always top notch. Sometimes things are out of our control (grant fund disbursements) but...
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Reply from Alicia Harkowa
May 20th, 2026 02:08 PM
Erin, I'm grateful for your kind words and for recognizing the effort Susanne and I put into caring for your clients. It's important to me to maintain clear communication and professionalism, particularly when challenges like grant fund disbursements...
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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.
