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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Business Hours
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24 hours
Sat
24 hours
Sun
24 hours
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Reviews from Web
Smooth process and excellent communication
Reply from Alicia Harkowa
August 19th, 2025 03:35 PM
Congratulations to you and your family on your new home. We appreciate the confidence in our team to get it done for you.
Alicia Harkowa at NFM Lending has received a review with 5 star rating from Abbie W
Reply from Owner
August 18th, 2025 12:00 AM
Thank you so much for the 5 star rating. Congratulations again on your new home.
The entire journey was made easy by the team. Their expertise and dedication coupled with their patience and empathy makes them a top tier team for anyone to work with.
Reply from Alicia Harkowa
August 1st, 2025 01:16 PM
I'm glad to hear that your journey with us felt easy and supported, Phina. Ensuring a smooth and positive experience is a priority for me, so it's wonderful to know that our expertise, patience, and empathy resonated with you. Thank you for...
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Everyone was thorough and worked to get the loan completed and funded in a timely manner.
Reply from Alicia Harkowa
July 31st, 2025 02:51 PM
I'm pleased to hear that you felt the loan process was thorough and timely, Justin. Completing and funding loans efficiently is a key priority for me, so it's gratifying to know we met your expectations. Thank you for sharing your positive...
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Highly highly recommend to anyone looking to buy. I could not have done it without them. Alicia was always there and very helpful to walk us through every step of the way.
Reply from Owner
July 31st, 2025 02:47 PM
We are so excited for you. WIshing you many happy years ahead in your beautiful home.
Alicia was great. My wife and I are 19 and 20 so we had no idea how any of this works, but Alicia and Erin and everyone else along the way very clearly explained each and every part. There was always very quick responses, even after hours....
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Reply from Alicia Harkowa
July 25th, 2025 01:40 PM
I'm so glad I could be a part of your journey to owning your first home, Aidan. It's wonderful to hear that you and your wife felt well-guided throughout the process, especially as you were learning how everything works. I'm happy that Erin...
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Alicia and her team have been absolutely amazing during our purchase! Every question we had was answered in detail and quickly!
Reply from Alicia Harkowa
July 24th, 2025 01:14 PM
It's wonderful to hear that you had a positive experience during your purchase, Tristan. I'm glad I could provide detailed and timely answers to your questions. It was a pleasure to assist you throughout the process. Thank you for your kind...
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Alicia Harkowa at NFM Lending has received a review with 5 star rating from Donna B
Reply from Owner
July 24th, 2025 01:15 PM
Thank you, Donna, for your wonderful review. I'm so pleased to hear that your experience was a positive one. It means a lot to know that our efforts helped make your process smooth and efficient. Providing support and timely solutions is always...
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Excellent experience. Everyone was on thier
Reply from Alicia Harkowa
July 22nd, 2025 09:14 PM
So happy for you. We are glad you had a great experience with our team. Congratulations, enjoy your new home for years to come.
Alicia Harkowa at NFM Lending has received a review with 5 star rating from Abbie W
Reply from Owner
January 9th, 2026 10:19 AM
Thank you so much for the 5 star rating. Congratulations again on your new home.
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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.
