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
Location & Business Hours
Business Hours
Fri
24 hours
Sat
24 hours
Sun
24 hours
View All days
Search Reviews
Search
Write a Review
Overall Ratings
Filter by Date
Range
Filter by Rating
Reviews from Web
The loan process was much easier than I expected
Reply from Alicia Harkowa at NFM Lending
August 4th, 2026 02:05 PM
Valerie, I'm happy to hear that the loan process was easier than you expected. Making the experience smooth and straightforward is always my goal. Thank you for sharing your feedback!
Very helful with all our question. 100% recommemd
Reply from Owner
August 4th, 2026 02:05 PM
Marvin, I'm grateful for your kind words and recommendation. It's great to know that I could assist you with all your questions.
Very helful with all our question.
Reply from Alicia Harkowa at NFM Lending
July 31st, 2026 01:28 PM
I'm happy to hear that I could assist with all your questions, Marvin. It's important to me that you feel supported and informed throughout the process.
Alicia is amazing at what she does! I've used her for two of my own home purchases and a refinacne. She has consistently provided exceptional service. I've also referred many of my clients to her, and they have all had great experiences. She...
read more
Reply from Alicia Harkowa at NFM Lending
July 30th, 2026 01:44 PM
Thank you so much Gabby for your amazing feedback. My team and I strive to make every transaction a smooth one for all of our clients. I am so excited for you and your family with this most recent purchase, looking forward to seeing the result....
read more
Advice was very professional and immediately responsive to all our questions and concerns. Of highly recommend her
Reply from Alicia Harkowa at NFM Lending
July 28th, 2026 05:49 PM
Thank you for your kind words, John. I'm pleased to know that you found my advice professional and responsive. Your recommendation means a lot to me, and I'm glad I could assist with all your questions and concerns.
Alicia and her team are fantastic communicators and are incredibly pleasant and easy to work with.
Reply from Alicia Harkowa at NFM Lending
July 28th, 2026 05:49 PM
Asia, I appreciate your kind words about my team's communication and the pleasant experience you had with us. I'm happy to know that working with us was easy and enjoyable for you. Thank you for sharing your positive experience!
Very easy! Communication was prompt and clear. Directions on how and why to submit items were helpful and clear. Everything was handled easily.
Reply from Alicia Harkowa at NFM Lending
July 27th, 2026 12:46 PM
Karyn, I'm happy to know that the process felt easy and communication was prompt and clear for you. Providing helpful directions and ensuring everything is handled smoothly is important to me. Thank you for sharing your positive experience!
Everything was wonderful
Reply from Alicia Harkowa
July 16th, 2026 06:32 PM
I'm happy to hear that everything was wonderful, Nicole. Thank you for sharing your experience with me.
Alicia was fantastic to work with! She answered all of our many questions quickly, even after hours. Her and her team walked us through all of our paperwork and everything went through seamlessly.
Reply from Owner
July 16th, 2026 06:32 PM
Courtney, I'm happy to hear that you had a seamless experience working with me and my team. Answering your questions promptly and guiding you through the paperwork was important to us. Thank you for sharing your kind words!
Alicia and her team were fantastic! They answered all of our questions within minutes, even after hours. They also helped us as well received pre-approvals for multiple homes.
Reply from Alicia Harkowa
July 16th, 2026 06:34 PM
I'm grateful for your kind words, Courtney. I'm happy to hear that my team and I could provide quick responses to your questions and assist you with pre-approvals. It was a pleasure working with you, and I appreciate you sharing your experience!...
read more
11–20 of 481
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
Search Rank ScoreLearn More →
What is the Search Rank Score®?
Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
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
View All
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.
