
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
Tues
24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Reviews from Web
Very helpful and efficient, kind and willing to answer all questions and makes things easy to understand. Always professional and answered in a timely manner even on off hours!
Very helpful and efficient, kind and willing to answer all questions and makes things easy to understand. Always professional and answered in a timely manner even on off hours!
Alicia and her team are excellent and a pleasure to work with. Throughout the home buying process they were always available, knowledgeable, and helpful in answering questions.
I highly recommend and Alicia and her team.
Alicia and her team are excellent and a pleasure to work with. Throughout the home buying process they were always available, knowledgeable, and helpful in answering questions. I highly recommend and Alicia and her team.
Alicia is very friendly and knowledgeable about the home buying process. When I asked questions she answered to the best of her knowledge. I recommended Alicia to a few of my friends and family, I look forward to working with her in the future....
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I had the pleasure of working with Alicia and her team on the purchase of my new home. My experience with them was everything I could hope for in this next stepof my life. The team was professional and very knowledgeable in this process and...
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I had the pleasure of working with Alicia and her team on the purchase of my new home. My experience with them was everything I could hope for in this next stepof my life. The team was professional and very knowledgeable in this process and...
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Alicia and her team were so quick in responses to questions and the turnaround of vital paperwork. Every part of the mortgage process was laid out in very user friendly way in a step by step process. So easy to work with! Highly recommend.
Alicia Harkowa and her team were absolutely amazing throughout the loan application process. They provided detailed information on what to do (and not do), responded promptly to questions, and were early or on time every step of the way.I couldn’t...
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Alicia and her professional team get things done and ready to take on any task and very helpful with answering questions. I felt extremely comfortable working with Alicia, Kelly and Moni.
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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.