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
She was extremely responsive . I was a first time buyer in my mid 20’s during a pandemic ! Everything went so smooth. A lot of things I was able to upload electronically from home and I could reach her at any hour through her banking app, email,...
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Alicia was very professional . She always was there to answer any concerns i had about buying a home. Alicia made the process very simple and easy for me. I have already told my family and friends about her professional service.
I remain very thankful for the exceptional service that I received! I will recommend any home buyer to you because of your treatment of me. Thank you very much!
We reached out to Alicia when we began our search for our second home. Starting day 1, the entire process was transparent and smooth. She was extremely responsive to us and our realtor. I’d recommend Alicia to anyone looking for a mortgage...
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My entire loan process went smoothly. I was updated and guided every step of the way. All of my questions were promptly answered and I knew exactly what documents were needed from me.
She was with me all the way through and made the process smooth. As well she was Willing to explain everything to me in extreme detail. I would recommend Alicia to anyone interested in buying or refinancing a home.
Alicia helped me through my loan process every step of the way. She and her team were extremely quick to respond, friendly, and knowledgeable. Alicia was very patient with all of my questions as a first time homebuyer, and explained everything...
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Alicia met all of our expectations. She was very helpful, courteous and knowledgeable about any concerns we had and was done in a professional manner.
Buying this house turned out to be an extremely stressful event, but Alicia was pretty much a godsend. She did everything and anything she could to get everything handled for me. When I was ready to break, she talked me down and gave me the...
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THIS is our first time buying and Alicia has made it nothing but smooth and easy I absolutely love her and would recommend her to anybody!!!!!!!! she kept me in the loop the whole entire time until closing to make sure we had everything turned...
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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.
