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
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Reviews from Web
You all was a pleasure to work with. Very nice people.
Reply from Alicia Harkowa at NFM Lending
October 1st, 2026 04:46 PM
I'm happy to know that you enjoyed working with us, Gary. It's great to have such kind words about the team at NFM Lending.
Every part of such a stressful process was made so easy by the NFM Lending team. Alicia was always quick to jump on a call to go over anything we had trouble understanding and gave us a clear understanding of everything.
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Every part of such a stressful process was made so easy by the NFM Lending team. Alicia was always quick to jump on a call to go over anything we had trouble understanding and gave us a clear understanding of everurging.
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Reply from Alicia Harkowa at NFM Lending
October 1st, 2026 04:45 PM
I'm pleased to know that I could help make the process easier for you, Kelsey. It's important to me that you felt supported and had a clear understanding throughout your experience with NFM Lending.
My experience with NFM Lending was generally positive, largely because of Alicia’s support. As a first-time homebuyer, I had many questions, and Alicia was patient, responsive, reassuring, and transparent. She made me feel comfortable asking...
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Reply from Alicia Harkowa at NFM Lending
September 23rd, 2026 02:19 PM
Thank you for sharing your feedback, Renee. I'm pleased to know that my support provided some reassurance during your homebuying journey with NFM Lending. I understand how the evolving documentation requirements could feel stressful, and I...
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too much homework - things were great, take the win and dont ask me to type
Reply from Alicia Harkowa at NFM Lending
September 21st, 2026 02:55 PM
Thank you for your review. Congratulations on your home.
Great communication, Smooth processing, clear to close well before schedule. Process was seamless and didnt have to deal with lender stress.
Reply from Alicia Harkowa at NFM Lending
August 20th, 2026 01:50 PM
I'm happy to hear that the process was seamless and stress-free for you, Mustafa. Ensuring smooth communication and efficient processing is something I strive for with every client. Thank you for sharing your positive experience with me.
Alicia and her team are always attentive to my buyers needs and answer questions immediatel. The customer service is amazing and that's why she remains my go to lender!
Reply from Alicia Harkowa at NFM Lending
August 18th, 2026 03:07 PM
Thank you for your kind words. Love that myself and my team get to work with you and your clients. Teamwork and communication on your side is amazing as well. Thanks for all you do.
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
Reply from Owner
August 20th, 2026 01:49 PM
Thank you, Valerie, for your positive rating. I appreciate your support and am here if you need anything in the future.
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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.
