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
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24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Reviews from Web
Amazing...best service, kind and patient. wouldn't work with anyone else.
Reply from Owner
May 22nd, 2026 12:55 PM
I'm grateful for your kind words, Roman. It's nice to know that you found the service to be the best and appreciated the kindness and patience throughout the process. Thank you for your trust and confidence in working with me.
Alicia and her team went above and beyond throughout the entire process. They worked patiently with me and made sure I was always updated. Simply put, they made this very easy and an enjoyable process. Thank you.
Reply from Alicia Harkowa
May 18th, 2026 01:57 PM
I'm grateful for your kind words, Roman. It's appreciated to know that you found the process easy and enjoyable. Keeping you updated and working patiently with you was truly important to me. Thank you for trusting me and my team at NFM Lending....
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Alicia Harkowa at NFM Lending has received a review with 5 star rating from Keen B
Reply from Owner
May 18th, 2026 01:56 PM
Thank you, Keen, for the great rating. I'm glad to know that you had a positive experience with NFM Lending.
I was afraid to even take money out the bank to pay bills, but Alicia reassured me that I would be fine as long as I didn't make any huge purchases. Keeping the team informed and them responding so quickly made this whole experience seem like...
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Reply from Alicia Harkowa
May 18th, 2026 01:57 PM
I'm grateful for your kind words, Keenan. I'm happy to have been able to reassure you and make the process feel smooth and manageable. Keeping the lines of communication open is important, so I'm pleased that our quick responses helped ease...
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Everything moved about as well as it could have, and we're glad because it was still exhausting. The portal with stages, tasks, and digital signatures was very streamlined and intuitive. Alicia was very patient and quick to respond to our very...
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Reply from Alicia Harkowa
May 14th, 2026 03:59 PM
I'm happy to hear that the portal's streamlined features made the process easier for you, Jordan. Navigating the VA loan process can indeed be exhausting, so I'm glad I could assist with patience and timely responses. Thank you for sharing...
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Alicia Harkowa at NFM Lending has received a review with 5 star rating from J H
Reply from Owner
May 13th, 2026 12:13 AM
I appreciate your positive rating, RJ. Thank you for your support of NFM Lending.
Very responsive whether it was my loan officer or another team member. very responsive in answering any questions or concerns I came up with .
Reply from Alicia Harkowa
May 12th, 2026 03:02 PM
I'm grateful to hear that you found our team to be very responsive, Joseph. Providing clear and timely answers to your questions and concerns is important to me. Thank you for sharing your experience, and I'm glad I could assist you throughout...
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WOW! What a wonderful experience working with Alicia and Susanne, the Harkowa Team was professional and on-time with expectations regarding my clients closing. I am looking forward to working with Alicia and Team! Just - WOW!
Reply from Owner
May 6th, 2026 03:09 PM
Thank you so much. Working with professional realtors like yourself makes the lending side much easier. My team and I appreciate the trust you put in us with your clients.
As a new agent, I was unsure of which lender would provide me the guidance, learning and resources to be an effective REALTOR. Alicia is the definition of excellence as it relates to the learning, professionalism and expectations an agent and/or...
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Reply from Alicia Harkowa
May 6th, 2026 03:17 PM
Michael, I appreciate your kind words and am grateful for your trust in me and my team. I'm glad that you found the guidance, learning, and resources you needed as a new agent. It's appreciated to hear that the communication and strategies...
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Alicia has always been my go to lender because of her responsiveness to my buyers. They feel at ease with her and she answers all questions quickly and puts the buyers at ease.
Reply from Alicia Harkowa
May 6th, 2026 03:17 PM
Thank you for your kind words, Ray. I'm happy to know that my responsiveness and ability to make your buyers feel at ease have been valuable to you. It's important to me that all questions are answered promptly and thoroughly, and I'm grateful...
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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.
