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#...

Main Street Home Loans
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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
Mortgage
Mortgage Loan Officer
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Contact Info
(443) 250-5489
Severna Park, MD
https://mainstreethomeloans.com/loanoriginator/alicia-harkowa/
Location & Business Hours
Business Hours
Tues
24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Overall Ratings
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5 Star
98%
4 Star
1%
3 Star
0%
2 Star
0%
1 Star
0%
Reviews from Web
  • Encompass
    O
    Olivia H
    Nottingham, MD
    Posted on May 6th, 2026 11:47 AM
    Alicia was great and always very responsive!
    Reply from Alicia Harkowa
    May 6th, 2026 01:27 PM
    I'm happy to hear that you found me responsive, Olivia. It's important to me to be available and supportive throughout the process. Thank you for your kind words!
  • google
    B
    B
    Posted on May 1st, 2026 01:35 PM
    Alicia Harkowa at NFM Lending has received a review with 5 star rating from B
    Reply from Owner
    May 6th, 2026 01:26 PM
    Thank you for the excellent rating, B. I'm grateful for your support and trust in my services at NFM Lending.
  • Encompass
    R
    Robert J J
    Woodbine, MD
    Posted on May 1st, 2026 01:35 PM
    Always very kind, responsive, and detail oriented.
    Reply from Alicia Harkowa
    May 1st, 2026 02:24 PM
    Robert, I appreciate your kind words. I'm pleased to know that you found my approach to be responsive and detail-oriented. Thank you for sharing your experience with Main Street Home Loans of NFM Lending.
  • google
    S
    Shronne B
    Posted on May 1st, 2026 01:12 PM
    I came to NFM lending after working with another lender for months. Once I transferred to NFM, my feeling of being overwhelmed subsided. They were very informative and walked me step by step through my difficulties. Thank you so much for helping...
    read more
    Reply from Owner
    May 6th, 2026 01:27 PM
    I'm grateful to hear that your experience with NFM Lending helped ease your feelings of being overwhelmed, Shronne. It’s important to me that you felt supported and informed throughout the process. Thank you for your kind words, and I’m glad...
    read more
  • Encompass
    S
    Shronne L B
    Baltimore, MD
    Posted on May 1st, 2026 01:12 PM
    I came to NFM lending after working with another lender for months. Once I transferred to NFM, my feeling of being overwhelmed subsided. They were very informative and walked me step by step through my difficulties. Thank you so much for helping...
    read more
    Reply from Alicia Harkowa
    May 1st, 2026 02:25 PM
    I'm grateful to hear that transferring to Main Street Home Loans of NFM lending helped ease your feelings of being overwhelmed, Shronne. It's good to know that our informative approach and step-by-step guidance were helpful to you. Thank you...
    read more
  • google
    E
    Erin C R
    Posted on April 17th, 2026 05:56 PM
    Alicia and her team treat my clients with the same sense of speed, communication and professionalism that I do. I always know what to expect because they are consistent with their processes and approach. For these reasons, Alicia and her team...
    read more
    Reply from Owner
    May 6th, 2026 01:27 PM
    Erin, I'm grateful for your trust and confidence in me and my team at NFM Lending. It's appreciated to know that our speed, communication, and professionalism align with your expectations and make us your go-to lender. Thank you for recommending...
    read more
  • Encompass
    E
    Erin C
    Crofton, MD
    Posted on April 17th, 2026 05:55 PM
    Alicia and her team treat clients with the same sense of speed, communication and professionalism that I do. I always know what to expect because they are consistent with their processes and approach. For these reasons, Alicia and her team...
    read more
    Reply from Alicia Harkowa
    April 17th, 2026 06:23 PM
    Thank you so much for the kind words. Working with amazing agents such as you and your team is so fulfilling. Thank you for your continued trust in me for your clients needs.
  • Encompass
    A
    Alsandro H T
    Bowie, MD
    Posted on April 14th, 2026 12:03 PM
    Alicia is one of the most responsive and knoweldgeable professionals we've encountered regardless of business realm. She communicated often and early. She uses a proactive and forward leaning communication and action style which gave us comfort...
    read more
    Reply from Alicia Harkowa
    April 17th, 2026 06:33 PM
    I'm grateful for your kind words, Alsandro. It's appreciated to know that my proactive communication and leadership style provided you with comfort and confidence throughout the process. Ensuring there are no knowledge gaps is a key focus for...
    read more
  • google
    E
    Erik G
    Posted on April 12th, 2026 03:07 AM
    Alicia Harkowa at NFM Lending has received a review with 5 star rating from Erik G
    Reply from Owner
    April 17th, 2026 06:33 PM
    Thank you, Erik, for the great rating! I'm glad to know you had a positive experience with NFM Lending.
  • Encompass
    E
    Erik G
    Hampstead, MD
    Posted on April 12th, 2026 03:07 AM
    The communication provided was timely and appreciative. It kept all stakeholders informed and engaged on key benchmark dates.
    Reply from Alicia Harkowa
    April 12th, 2026 03:17 PM
    It's great to hear that you found the communication timely and informative, Erik. Keeping everyone updated and engaged during key moments is crucial, and I'm pleased that it contributed positively to your experience. Thank you for sharing your...
    read more
    • 51–60 of 481
    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®?
    Experience.com’s Search Rank Score measures a professional’s online search visibility across hundreds of key SEO attributes.
    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.