
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
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Reviews from Web
Efficient, informative, pleasant, professional
Alicia and her team always surpass my expectations as well as my buyers. My buyers words to me were, “well this process was way better than using my previous lender “ that makes me happy to work with such a great team.
It was painless. I was very anxious going into closing but everything went as planned and was very smooth.
Alicia - thank you so much! You were amazing to work with. Highly responsible.
Love your team! The energy is great and contagious. Keep up the good work.
Simply dedicating time during regular business hours and outside of regular business hours!!!
This survey is awesome, thank you for checking in!
Loved working with Alicia and the PRMI team.
Thank you for always taking excellent care of our buyers! We’re so thankful to have you as our preferred lender. This transaction was extra special for our family and we knew we didn’t have to worry at all because she was in great hands! You...
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Great job, Very professional and efficient throuhout the process
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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.