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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24 hours
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24 hours
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Reviews from Web
Alicia went above and beyond for us from the very beginning of the house search until closing day. No matter the time or day she was responsive and willing to help anyway possible, including getting all of the paperwork done for a 3 week earlier...
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Reply from Owner
October 14th, 2025 03:34 PM
I'm pleased to know that I could support you from the start of your house search through to closing day, Joe. Ensuring I am responsive and helpful at any time is important to me, and I'm glad to hear it made a difference for you. It was my...
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Alicia went above and beyond for us from the very beginning of the house search until closing day. No matter the time or day she was responsive and willing to help anyway possible, including getting all of the paperwork done for a 3 week earlier...
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Reply from Alicia Harkowa
October 13th, 2025 01:04 PM
It's wonderful to hear that you felt supported throughout the entire process, Joseph. I always aim to be as responsive and helpful as possible, so it's great to know that managing the paperwork and facilitating an earlier closing date made...
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Efficient and Quick
Reply from Alicia Harkowa
October 9th, 2025 02:15 PM
I appreciate your feedback, Sinu. It's great to know that you found the process efficient and quick. I'm glad I could assist you effectively, and if you need anything else, feel free to reach out.
Buying my first home was one of the biggest and most emotional milestones of my life, and working with NFM Lending made the entire process feel smooth, personal, and genuinely cared for. From the very beginning, the loan officer and team took...
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Reply from Owner
October 14th, 2025 03:37 PM
It's truly gratifying to hear how smooth and personalized your home-buying experience felt, Makayla. I understand how significant this milestone is, and I’m pleased that I could contribute to making it a memorable one. Answering your questions...
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Buying my first home was one of the biggest and most emotional milestones of my life, and working with NFM Lending made the entire process feel smooth, personal, and genuinely cared for. From the very beginning, the loan officer and team took...
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Reply from Alicia Harkowa
October 8th, 2025 01:12 PM
It's truly fulfilling to know that your experience purchasing your first home felt smooth and personal. Helping you feel confident and informed at every step was very important to me, and I'm pleased that the explanations and support provided...
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Thanks Alicia and the team for providing a very efficient communication during the loan process. It was great to work with the team in finalizing the loan at a good rate.
Reply from Owner
October 14th, 2025 03:37 PM
I appreciate your feedback, Gaurav. I'm glad to know that the communication during the loan process was effective and that we could finalize the loan with a favorable rate for you. Working with you was a pleasure, and I'm pleased to have been...
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Alicia and her team has been really helpful with prompt communication and providing a good interest rate. The team is also very much experienced with the loan application process. My closing was very smooth and the loan was closed on time....
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Reply from Alicia Harkowa
October 6th, 2025 12:38 PM
I'm grateful for your kind words and positive feedback, Gaurav. It's important to me that the communication was clear and the process was seamless for you. I'm pleased to hear that you were satisfied with the interest rate and that everything...
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Alicia Harkowa at NFM Lending has received a review with 5 star rating from Taylor D
Reply from Owner
October 6th, 2025 12:36 PM
Thank you for the 5 star rating
Everything was very fast and efficient. I closed in 21 days which was amazing. Susanne and Alicia answered all my questions very quickly and got me a great rate.
Reply from Alicia Harkowa
October 2nd, 2025 10:59 PM
I appreciate you sharing your experience, Taylor. Closing in 21 days is quite an achievement, and I'm glad I could assist in making the process fast and efficient for you. Susanne and I were happy to address your questions promptly, and it's...
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They made everything simple and smooth. 10/10 and would recommend to a friend.
Reply from Alicia Harkowa
October 1st, 2025 03:19 PM
It's great to know that the process felt simple and smooth for you. Making sure everything goes smoothly is something I always strive for, so it's rewarding to hear your feedback. Thank you for your recommendation, and I'm pleased I could assist...
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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.
