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Heidi Gage at NFM Lending - Renovation Loan Manager/Loan Originator | NMLS# 213769 in Linthicum Heights, MD
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Heidi Gage at NFM Lending

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Renovation Loan Manager/Loan Originator | NMLS# 21...

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I have over 30 years of experience in the mortgage industry, with a variety of mortgage loans, and I specialize in the Renovation loan programs backed by Fannie Mae, FHA, and VA. While I love renovation loans, I also offer Conventional, Jum... Show More
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Reviews from Web
  • Encompass
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    Dana D
    Clarksburg, MD
    Posted on December 7th, 2024 11:43 AM
    Incredibly helpful throughout the entire mortgage process, always readily available to answer questions and explain complex details clearly. They went above and beyond to secure us the best possible rate and ensured a smooth closing, making...
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    Reply from Heidi Gage
    December 7th, 2024 06:42 PM
    Thank you so much for your positive feedback, Dana. I'm thrilled to hear that you were satisfied with the service provided by myself and the entire NFM Lending team. Our aim is to make the mortgage process as straightforward and stress-free...
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    Chelsea L D
    Pawtucket, RI
    Posted on December 3rd, 2024 04:35 PM
    Heidi and Michael were a pleasure to work with they made the process smooth and enjoyable in the future, I will make sure to utilize this team and refer to friends and family thank you!
    Reply from Heidi Gage
    December 3rd, 2024 05:16 PM
    Thank you so much, Chelsea, for the wonderful review and the perfect rating! I'm elated to hear you had a smooth and enjoyable experience with Michael and myself. We strive to make the lending process as seamless and enjoyable as possible for...
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    Chester E T
    Easton, MD
    Posted on November 28th, 2024 04:59 PM
    Great communicatio, worked promptly
    Reply from Heidi Gage
    December 3rd, 2024 05:08 PM
    Thrilled to hear your positive feedback, Chester! Your kind words reinforce why we do what we do at NFM Lending. I'm glad you appreciated the prompt communication, as we strive to make the loan process as smooth and efficient as possible. Looking...
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    Joseph M C
    Coventry, RI
    Posted on November 7th, 2024 11:56 AM
    overall it has been a pleasurable experience working with this loan team, there was a hiccup on the day of closing due to a miss on the type of flood insurance required by underwriting but Heidi and team did a grear job getting this resolved,...
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    Reply from Heidi Gage
    November 8th, 2024 02:00 PM
    Thank you, Joseph, for taking the time to leave a review and rating. It's great to hear about your overall positive experience with our loan team at NFM Lending. I'm sorry for the hiccup on the day of closing related to the type of flood insurance...
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    Janna B
    Glocester, RI
    Posted on November 4th, 2024 10:37 PM
    My timeline was down to the wire when I contacted the lender. Heidi was able to process everything faster than anywhere else and a with better quality!
    Reply from Heidi Gage
    November 4th, 2024 10:44 PM
    I'm thrilled to hear about your positive experience, Janna! Making sure your lending process was both quick and high quality was a top priority for me. It's great to know that I was able to meet your timeline. I'm here at NFM Lending if you...
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    Frenel P
    Catonsville, MD
    Posted on November 3rd, 2024 08:33 PM
    I was satisfied with everything great communication thanks again for your service .
    Reply from Heidi Gage
    November 4th, 2024 01:49 PM
    I'm thrilled to hear that you were satisfied with the service, Frenel. Communication is a key factor in our work here at NFM Lending, and I'm glad to know that it played a significant role during our interaction. Thank you for your positive...
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    Keith J L P
    Denton, MD
    Posted on October 28th, 2024 03:03 PM
    I started working with Trent Riggs on a conventional loan after recommendation from my realtor, Amanda Chalupa from Benton Realty Group. From the beginning Trent was very responsive, knowledgeable and helpful. I asked him about adding some...
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    Reply from Heidi Gage
    November 4th, 2024 01:51 PM
    Thank you so much for your detailed review, Keith. It was a pleasure to assist you in securing a renovation loan for your new home. I'm glad to hear that you appreciated the guidance Trent and I provided and that we could help make the process...
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    Alyssa M P
    Denton, MD
    Posted on October 28th, 2024 01:14 PM
    My husband worked with Heidi the most, but from the few interactions I had, she was very friendly, very responsive, and answered all of our many questions. We really appreciate it!
    Reply from Heidi Gage
    November 4th, 2024 01:51 PM
    Thank you so much for your kind review, Alyssa! It was wonderful working with your husband and I'm glad I could assist with all of your questions. I'm here any time you need help in the future. I appreciate you choosing NFM Lending for your...
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    Jason G
    La Salle, CO
    Posted on October 15th, 2024 05:13 PM
    Heidi kept us on track and followed up when needed. She dodged and weaved a couple of speed bumps along the way, but got us to closing.
    Reply from Heidi Gage
    October 17th, 2024 07:12 PM
    I'm truly grateful for your kind words, Jason. I'm so glad to hear that you appreciated my commitment to keeping us on track and addressing any obstacles that came our way. It was my pleasure to assist you throughout the process and get you...
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    Julian W
    Medford, NJ
    Posted on September 27th, 2024 11:22 AM
    I had a smooth experience with great communication and we closed on time ,I don’t have any complaints
    Reply from Heidi Gage
    October 17th, 2024 07:13 PM
    I'm thrilled to hear about your smooth experience and timely closing, Julian! Your positive feedback means the world to me. I strive to maintain clear communication with my clients at NFM Lending and it's wonderful to know that it made a difference...
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    About
    I have over 30 years of experience in the mortgage industry, with a variety of mortgage loans, and I specialize in the Renovation loan programs backed by Fannie Mae, FHA, and VA. While I love renovation loans, I also offer Conventional, Jumbo, FHA, VA, USDA, and the Maryland Mortgage Program. With an extensive product array, I consult with my clients and give them a variety of options for financing their home. My background in processing and closing taught me that a smooth loan process and an on-time closing are just as important as a competitive interest rate which is why I provide detailed communication throughout the loan process, with clear timelines upfront and milestone loan updates throughout the loan process.
    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
    FHA
    Purchase and Refinance
    Renovation Loans - FHA, VA, Conventional
    Renovation Loan Financing for Purchase
    Renovation Loan Financing for Refinance
    Fannie Mae Homestyle
    FHA 203(k) Standard and Limited
    VA Renovation
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    Positions
    • NFM Lending - Renovation Loan Manager
      Sep 10th, 2021 - Current
    • Movement Mortgage - Regional Renovation Manager
      Nov 1st, 2013 - Sep 1st, 2021
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    Memberships
    • GBBR
    • WCR
    • NAR
    • View All
    Addresses and Serving Areas

    Year Started

    1997

    Time Zone

    Central Standard Time (CST)
    Licenses
    • NMLS# 213769
    Videos
    Achievements
    • Top 1% Mortgage Originator - Mortgage Executive Magazine
    Hobbies
    • Travel
    • Renovations
    • Horses
    • 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.