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
Sat
24 hours
Sun
24 hours
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Reviews from Web
Quick and easy. Everything done online .
Reply from Alicia Harkowa
February 24th, 2026 05:02 PM
It's great to hear that you found the process quick and easy, William. Utilizing online resources can definitely streamline things, and I'm glad it worked well for you. Thank you for sharing your experience!
Absolutely amazing to work with!! She helped me get my first home!
Reply from Owner
February 24th, 2026 05:02 PM
It’s wonderful to hear that I could assist you in getting your first home, Haley. I'm glad the process went smoothly for you. Thank you for taking a moment to share your experience with NFM Lending. Wishing you all the best as you settle into...
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They helped every step of the way with my loan . Always answered questions and always answered emails quickly . Communication was very strong
Reply from Alicia Harkowa
February 17th, 2026 07:41 PM
It's great to hear that you felt well-supported throughout the loan process, Haley. Answering questions promptly and maintaining strong communication are key aspects of how I work, so I'm pleased this made a positive impact on your experience....
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I can’t even put into words how great Alicia and her team are. They are always hands on and willing to help. They saved me being able to get a home for my family. I will forever be thankful!
Awesome team. Made this journey very easy, timely, and is very pleased with the outcone. I would definatelt, definitely refer others to this company! The best home buying experience ever.
Thanks!
Reply from Alicia Harkowa
February 3rd, 2026 02:57 PM
It's really great to hear that your experience with me was smooth and timely, Yvonne. I’m pleased that you're happy with the outcome and feel confident enough to recommend my services to others. Thank you for your kind words and for choosing...
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I appreciated the professionalism and knowledge conveyed throughout the process. I was extremely impressed by the way in which each step of the process was explained in a manner in which it was easily understood.
Reply from Owner
February 3rd, 2026 02:58 PM
I’m grateful for your kind words, Ameshia. It’s important to me that every client feels informed and comfortable throughout the process, so I’m pleased to hear that my explanations were clear and helpful for you. Your feedback about the professionalism...
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The team was very professiona, knowledgeable , efficient and effective. I was treated with dignity and respect throughout the entire proess.
Reply from Alicia Harkowa
January 31st, 2026 04:51 PM
It’s great to know that you felt respected and valued throughout the process, Amaise. I always strive to maintain professionalism and efficiency, so I’m glad this resonated with you. I appreciate your feedback and thank you for allowing me...
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Alicia is amazing! She troubleshot so many different things that came up throughout the process . She was always available to take a call, and of course as first time homebuyers we had so many questions which she answered clearly. She really...
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Reply from Alicia Harkowa
January 13th, 2026 09:50 PM
I appreciate your kind words, Aubrey. It was my pleasure to assist you in navigating the homebuying process. I'm glad I could be there to answer your questions and ensure you felt confident and informed every step of the way. Thank you for...
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Alicia , is quick thinker . Practical, patient, and empathetic. We feel as though that she guided us with care and fantastic professionalism - even in trying situations. Much appreciated
Reply from Alicia Harkowa
January 10th, 2026 05:33 PM
I appreciate your feedback, Arnold. I'm glad to know that you felt guided with care and professionalism, even in challenging situations. It's important to me to provide practical solutions and empathetic support throughout the process. Thank...
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Alicia Harkowa at NFM Lending has received a review with 5 star rating from Rae-Lyn P
Reply from Owner
January 10th, 2026 05:33 PM
I appreciate the 5-star rating, Rae-Lyn. Thank you for your support! If there's anything more I can assist you with, feel free to reach out.
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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.
