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
Alicia is truly my go-to lender and someone I trust completely with my clients. She's an incredible partner - knowledgeable, responsive, and always on top of every detail. Her communication with both me and my clients is excellent, which makes...
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Reply from Alicia Harkowa
December 22nd, 2025 07:18 PM
Thank you for the amazing feedback. Working with agents like you make my job easier for sure. Our teamwork and collaberation for our clients is key. So grateful to be in business with such a great agent.
As a first time homebuyer I had not clue what I was doing. Alicia and her team made it as stress free as possibl.
Reply from Alicia Harkowa
December 20th, 2025 05:13 PM
It's great to know that I could assist in making your first homebuying experience as stress-free as possible, Jennifer. Navigating this process for the first time can certainly be overwhelming, and it's important to me to help guide and support...
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Outstanding. That's all I will say.
Reply from Alicia Harkowa
December 19th, 2025 03:10 PM
Thank you for your succinct and positive feedback, Andre. I'm appreciative of your high rating and glad that you felt your experience was outstanding. If there's anything more you’d like to share or discuss, feel free to reach out.
Alicia and everyone who assisted us on the Main Street Home Loan Team was excellent And really made the home buying process smooth, easy and exciting!
Reply from Alicia Harkowa
December 16th, 2025 05:07 PM
It's fantastic to know that you found the home buying process smooth, easy, and exciting, Allyson. It was a pleasure to work with you and provide support through each step. Your positive experience means a lot, and I'm thankful for your kind...
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Easy breezy! No issues, always prompt, communicative and helpful. 10 out of 10!
Reply from Alicia Harkowa
December 16th, 2025 05:13 PM
I appreciate your feedback, Corwin. It's great to know that your experience was smooth and that communication and assistance were promptly delivered. Thank you for the 10 out of 10 rating! I'm pleased to have been part of your process at NFM...
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Exceptional service from start to finish! My experience with NFM Lending and Alicia was truly outstanding. She made the entire loan process smooth, clear, and stress-free. Every question I had was answered promptly and thoroughly, and I always...
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Reply from Owner
December 16th, 2025 05:13 PM
I'm pleased to hear that you found your experience with NFM Lending smooth and stress-free, NsipidxPoison. It’s important to me that you're well-informed and supported throughout the loan process, so I’m glad I could assist you effectively....
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Exceptional service from start to finish! My experience with NFM Lending and Alicia originator was truly outstanding. They made the entire loan process smooth, clear, and stress-free. Every question I had was answered promptly and thoroughly,...
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Reply from Alicia Harkowa
December 16th, 2025 05:12 PM
It's great to hear that you found the service exceptional from start to finish, Lester. I'm glad that I could help make the loan process smooth and stress-free for you. Ensuring that all your questions were answered promptly and thoroughly...
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NFM Lending and Alicia were awesome and very helpful throughout the house buying process. They were quick to respond and always more than willing to answer questions. As a first time home buyer, it was important to me to have a loan team that...
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Reply from Owner
December 5th, 2025 01:21 PM
It’s great to hear that you found the home buying process smooth and informative as a first-time buyer, Sir. Transparency and responsiveness are key in navigating this journey, so I’m pleased I could provide clarity and support along the way....
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NFM Lending and Alicia were awesome and very helpful throughout the house buying process. They were quick to respond and always more than willing to answer questions. As a first time home buyer, it was important to mean to have a loan team...
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Reply from Alicia Harkowa
December 5th, 2025 01:40 PM
It's great to know that I could assist you effectively during your home buying journey, Brodie. Being a transparent and helpful resource is essential, especially for first-time homebuyers like yourself. I'm pleased that everything went smoothly...
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Alicia and her team made my clients feel like family. They made the paperwork easy, answered every question, and supported us through the entire home-buying process. My clients—and myself—truly felt the greatness of Alicia standing strong with...
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Reply from Owner
December 5th, 2025 01:41 PM
I'm pleased to hear that your clients felt like family during their home-buying journey, George. Making paperwork easy and being there to answer questions are important aspects of what I do, so I'm glad that came through for you and your clients....
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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.
