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
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24 hours(Open now)
Wed
24 hours
Thu
24 hours
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Reviews from Web
The team is simply top notch. They were able to save us money and provided great communication, a boatload of patience!
Reply from Alicia Harkowa
April 2nd, 2026 01:14 PM
Thank you for the kind review. It was a pleasure helping you get into your beautiful new home. The dogs and you both will love the new neighborhood.
Alicia Harkowa at NFM Lending has received a review with 5 star rating from Brett A
Reply from Owner
April 2nd, 2026 01:09 PM
Thank you so much for the 5 star rating it was a pleasure working with you
A wonderful and seamless experience working with Alicia and Main Street. When our home didn't appraise for what we initially intended, Alicia and the team sprung into action to ensure we landed on our new home. We are very appreciative of the...
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Reply from Alicia Harkowa
April 2nd, 2026 01:09 PM
Thank you so much for your kind words! It was truly a pleasure working with you, and I’m so glad we were able to navigate the appraisal challenge and still get you into your new home. We appreciate your trust in us and wish you all the best...
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Alicia and her team were extremely knowledgable throughout the entire transaction. My sellers were able to purchase their forever home thanks to their help on the lending side! They are definitely in my top few for lending recommendations for...
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Reply from Owner
April 2nd, 2026 01:08 PM
Thank you for the review, love working with hard working amazing agents such as yourself. Can't wait to see what this year brings.
Alicia and her team were amazing to work with from start to finish. My sellers were also buying and they made the transition as smooth as possible on the lending side. Can't wait to see how many more of my clients they're able to continue helping!...
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Reply from Alicia Harkowa
March 20th, 2026 09:22 PM
I'm pleased to hear that your experience working with me and my team was positive, Haley. It's important to me that both buyers and sellers have a smooth transition, and I'm glad we could facilitate that for you. Thank you for your trust and...
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Alicia did a great job answering all of our questions and helping us transition into a new house with nearly zero headache. She made herself available anytime and that was very appreciated.
Reply from Owner
March 20th, 2026 09:22 PM
I'm pleased to hear that I was able to assist you smoothly in transitioning to your new house, Stephen. Providing answers and support at any time was my pleasure, and I'm glad it helped make the process nearly headache-free for you. Thank you...
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Everything was really easy overall. There were a few misunderstandings but that can be chalked up to everyting going on in our lives during this transition. Really appreciated Aliciai's professionalism and expertise.
Reply from Alicia Harkowa
March 6th, 2026 07:04 PM
It's great to hear that your overall experience was easy, Stephen. I understand that transitions can be quite busy and it's important to handle any misunderstandings effectively. I'm really pleased my professionalism and expertise could be...
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Great experience
Reply from Alicia Harkowa
March 6th, 2026 01:53 PM
It's great to hear that you had a positive experience, Theresa. I'm pleased to have been able to assist you. If there's anything else you need or any questions you have, feel free to reach out.
Working with NFM has been a exceptional experience
I enjoy the communications being sent about the loan process
I enjoyed having Alicia explaining each process and keeping us updated on our house and the progression of the mortage loan
Reply from Alicia Harkowa
March 5th, 2026 01:56 PM
I'm pleased to hear that your experience with NFM Lending has been so positive, Jeffrey. It's important to me to ensure that communication is clear throughout the loan process, and I'm glad you found the updates helpful. Keeping you informed...
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overall experience was great
Reply from Alicia Harkowa
March 2nd, 2026 11:19 PM
I'm pleased that you had a great experience, Jeffery. It was a pleasure to work with you, and I'm glad everything went smoothly. Should you have any questions or need further assistance in the future, feel free to reach out. Thanks for sharing...
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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.
