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
Sat
24 hours
Sun
24 hours
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Reviews from Web
“Thank you so much for your partnership on this closing! Your hard work, communication, and dedication made this process smooth and successful for our clients. I truly appreciate the professionalism you brought from start to finish, and I look...
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Reply from Alicia Harkowa
November 25th, 2025 04:24 PM
Thank you for your trust in me and my team to get this done for you and your clients. They were so lucky to have you as their real estate agent on their side. Truly one of the hardest working agents I know . Keep up the great work.
Everything was great. Very positive experienve all around. Very painless process. Would definitely recomend Alicia and her team to other looking to buy or refinance.
Reply from Alicia Harkowa
November 19th, 2025 08:40 PM
I'm pleased to know you had a positive and painless experience with the buying or refinancing process, Alexander. Your willingness to recommend me and my team means a great deal. Thank you for your kind words, and I'm delighted to have been...
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Alicia Harkowa at NFM Lending has received a review with 5 star rating from Jonathan R
Reply from Owner
November 19th, 2025 08:40 PM
I appreciate you taking the time to rate my services, Jonathan. Thank you for your feedback!
Easy process, open communication
Reply from Alicia Harkowa
November 10th, 2025 02:09 PM
I'm pleased to know that you found the process smooth and the communication open, Jonathan. It's important to me that everything is as straightforward as possible for you. Thank you for sharing your experience—I'm glad I could be part of your...
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The team was great and made sure the process went as smoothly as possible.
Reply from Alicia Harkowa
October 21st, 2025 08:04 PM
It's great to know that you felt the process went smoothly, Katherine. Making sure everything proceeds seamlessly is always my aim. I'm thankful for your feedback and glad I could help along the way.
I purchased my first home in 1988 and the new process for home purchasing is so confusing and much more different than it was back then. NFM worked with me to made the processing less complicated and less stressful.
Reply from Alicia Harkowa
October 21st, 2025 08:04 PM
Thank you for sharing your experience, Bonita. I understand how much the home purchasing process has evolved over the years and how confusing it can seem. I'm glad that I could help to simplify and alleviate some of the stress for you. If you...
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Alicia and the team were so great to work with at Main Street Home Loans. Stress-free process.... I got in contact with Alicia on a Sunday and she was available to get the ball rolling that day. I would highly recommend Main Street for any...
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Reply from Owner
October 17th, 2025 04:25 PM
I'm happy to hear that you found the process stress-free and that we could get things started quickly, even on a Sunday. I appreciate your recommendation and am glad I could assist you with your home loan needs. If you need anything else, feel...
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They did a great job
Reply from Alicia Harkowa
October 16th, 2025 01:09 PM
I appreciate your feedback, Nino. I'm pleased to know that you were satisfied with the service. If you need any further assistance in the future, please feel free to reach out.
Stress free!!!.... got back to me right away with any questions I had explained everything in deal.
Reply from Alicia Harkowa
October 14th, 2025 03:36 PM
It’s great to know that your experience was stress-free and that I could promptly address your questions, Donna. Clear communication is essential, so I'm pleased that my explanations were helpful. Thank you for sharing your thoughts!
It was a very pleasant experience, a much complex process for the most part was made simpler. The best thing was Alicia was a wonderful quarterback, she ensure that questions and answers were conveyed promptly and accurately to all parties...
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Reply from Alicia Harkowa
October 14th, 2025 03:35 PM
I'm pleased to know that you had a positive experience, Wantalex. Navigating complex processes can be challenging, so I'm glad I could simplify things for you. Ensuring clear communication is important to me, and I'm happy that you felt supported...
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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.
