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 Harkowa at NFM Lending has received a review with 5 star rating from Gabriela H
Reply from Owner
May 26th, 2025 06:24 PM
I'm thrilled to hear that you had a great experience, Gabriela. It was a pleasure working with you through your mortgage process. Your satisfaction is very important to me, and I truly appreciate your feedback.
Our experience was great. From the very first step getting pre-qualified to closing on the house on time. It was a 21 day closing and NFM Lending went above and beyond for us. We even needed a power of attorney, due to spouse being military,...
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Reply from Alicia Harkowa
May 26th, 2025 06:25 PM
I'm thrilled to hear that your experience with NFM Lending was so positive. It was a pleasure to assist you from pre-qualification to closing, and I'm glad we could meet your needs, including the power of attorney situation, promptly. Your...
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NFM Lending are the best. From start to finish my husband and I were treated with respect, professionalism and friendly manner from everyone at the company . We woulà recommend NFM Lending to anyone.
Reply from Alicia Harkowa
May 26th, 2025 06:25 PM
I'm thrilled to hear that you and your husband had such a positive experience with NFM Lending. It was a pleasure assisting you, and I truly appreciate your kind words and recommendation.
Alicia went above and beyond to asist us . We are not as tech savy, few times we were in need of extra help to get is us thru and she was there for us every time ❤️
Reply from Alicia Harkowa
May 26th, 2025 06:26 PM
I'm thrilled to hear that I could assist you throughout the process. It was a pleasure working with you, and I appreciate your kind words. If you need any more help in the future, please don't hesitate to reach out.
We went into this process not knowing anything. Between Alicia and her team plus the realtor, we feel like pros. Thank you for looking out for us and helping every single step of the way.
Alicia Harkowa at NFM Lending has received a review with 5 star rating from Jessica H
Reply from Owner
July 24th, 2025 01:16 PM
Jessica, I appreciate your kind review. Knowing that you had such a positive experience makes my work rewarding. I aim to provide clear communication and support throughout the entire process, so I'm glad you felt that. Please feel free to...
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Alica and her team are the best at what they do. Everyone is amazing when it comes to communication, providing us with estimates, and especially answering all of our silly questions as first-time home buyers. Alicia and her team is also extremely...
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Reply from Owner
July 24th, 2025 01:16 PM
Thank you, Duythanh, for your generous words. I'm thrilled to know that you felt supported and well-informed during your home buying journey. It's important to me to maintain open and transparent communication, especially when it comes to critical...
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Alica and her team are the best at what they do. Everyone is amazing when it comes to communication, providing us with estimates, and especially answering all of our silly questions as first-time home buyers. Alicia and her team is also extremely...
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Reply from Alicia Harkowa
May 13th, 2025 04:06 PM
I'm thrilled to hear that your experience with our team was so positive. It was a pleasure to assist you with your home buying journey, and I'm glad we could provide clear communication and transparency. Your recommendation means a lot to us....
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The loan process was made very clear and easy thanks to the team. Would recommend to other friends and family.
Reply from Alicia Harkowa
May 13th, 2025 04:06 PM
I'm thrilled to hear that the loan process was clear and easy for you. It was a pleasure assisting you, and I greatly appreciate your recommendation.
Eveyone I had to work with was super kind and responsive. This was my first time buying a house and they took the time to explain things to me without judegement and make sure I was comfortable and informed with every step of the process.
Reply from Alicia Harkowa
May 12th, 2025 05:08 PM
I'm thrilled to hear that your first home-buying experience was positive and informative. It was a pleasure assisting you, and I'm glad we could make the process comfortable and clear for you. Thank you for your kind words and the opportunity...
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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.
