Alicia Harkowa at NFM Lending's Cover Image
Alicia Harkowa at NFM Lending - Sales Manager/ Senior Home Loan Consultant | NMLS# 698954 in Severna Park, MD

Alicia Harkowa at NFM Lending

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Sales Manager/ Senior Home Loan Consultant | NMLS#...

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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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Location & Business Hours
Business Hours
Tues
24 hours(Open now)
Wed
24 hours
Thu
24 hours
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5 Star
98%
4 Star
1%
3 Star
0%
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Reviews from Web
  • Encompass
    R
    Ryan J M
    Baltimore, MD
    Posted on April 27th, 2024 02:37 PM
    Couldn't ask for better. Alicia and NFM lending did a fantastic job!
    Reply from Alicia Harkowa
    April 27th, 2024 02:52 PM
    Thank you Ryan. We are very happy for you and hope you enjoy your new home for years to come.
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    S
    Sherma L
    Baltimore, MD
    Posted on April 8th, 2024 11:44 AM
    Exceptional service
    Reply from Alicia Harkowa
    April 8th, 2024 06:45 PM
    Thank you Sherma, wishing you many happy years in your new home.
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    John S
    Columbia, MD
    Posted on April 3rd, 2024 06:40 PM
    I and my family had a wonderful experience with Alicia and the entire team at NFM Lending. Alicia was extremely helpful, pleasant and a top notch professional. I look forward to referring anyone who is purchasing a home to NFM Lending, nothing...
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    Reply from Alicia Harkowa
    May 3rd, 2024 02:37 PM
    We are excited for your family, Wishing you the best in your new home.
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    Teona W
    Baltimore, MD
    Posted on March 31st, 2024 07:38 PM
    NFM Lending and Alicia gave me so much help and guidance towards purchasing my first home. The process was simple and very well explained every step of the way. I was able to close on my home in less than 30days due to all the help and guidance...
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    Reply from Alicia Harkowa
    April 1st, 2024 02:11 PM
    Thank you Teona, We are very excited for your family to be into your beautiful new home.
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    Matthew B
    Pasadena, MD
    Posted on March 31st, 2024 01:16 PM
    Very good at there job. Communicate very well and are on point with the paperwork. They are available to answer any questions at any time and strive to make sure you are taken care of through the home buying process. Great job.
    Reply from Alicia Harkowa
    April 1st, 2024 02:12 PM
    Thank you Matthew, we are very excited for your family getting into your new home. Many happy years to come.
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    April B
    Pasadena, MD
    Posted on March 28th, 2024 02:29 PM
    Working with Alicia, Kelly, and the rest of the team was great!!! The communication both phone, and email was top notch. They answered the questions we had (which as first time homebuyers we had quite a few) without hesitation. They truly see...
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    Reply from Alicia Harkowa
    April 1st, 2024 02:13 PM
    Thank you April, we are very excited for your family getting into your new home. Was a pleasure working with both of you. Enjoy the home for many years to come.
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    Valerie P
    Baltimore, MD
    Posted on March 27th, 2024 02:43 PM
    My experience working with NFM Lending . The team was very pleasant. I enjoy working with the team all I can say each and every person they work along ur side to get things done& fast. Thanks everyone for ur help God bless ur all.
    Reply from Alicia Harkowa
    April 1st, 2024 02:13 PM
    Thank you April, we are very excited for your family getting into your new home. Was a pleasure working with you. Enjoy the home for many years to come.
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    Jennifer R B
    Laurel, MD
    Posted on March 20th, 2024 12:42 PM
    Thanks for everything!
    Reply from Alicia Harkowa
    March 20th, 2024 12:52 PM
    Congratulations on your new home. Many blessings ahead. !!!
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    Ted C T
    Temple Hills, MD
    Posted on March 16th, 2024 09:56 PM
    Great experience as a first-time home buyer. Any questions I had were answered. Very much appreciate their assistance through this process.
    Reply from Alicia Harkowa
    March 16th, 2024 10:26 PM
    Congratulations Ted. We enjoyed working with you to get you into your first home. Remember we are always here for any questions that may come up.
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    Donald F B
    Laurel, MD
    Posted on March 16th, 2024 10:16 AM
    Alicia and Kelly were extremely helpful in figuring out our affordability, and provided the information we needed to work with our realtor to properly price our home for sale and get into our new dream home. Alicia was not only always available...
    read more
    Reply from Alicia Harkowa
    March 16th, 2024 10:27 PM
    Congratulations. My team and I enjoyed working with you to get your into your new home. Please remember we are always here to help with anything. Enjoy that beautiful 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
    What is the Search Rank Score®?
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    Memberships
    • Baltimore Real Producers
    • Chesapeake Real Producers
    • Anne Arundel County Board of Realtors
    Addresses and 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.