NFM Lending

Who We Are

NFM Lending is an award-winning, multi-state residential mortgage lender currently licensed in 42 states. NFM Lending focuses on assisting consumers in obtaining a residential loan that meets their needs while ensuring that they are receiving exemplary service throughout the process. NFM Lending is dedicated to streamlining the loan process in order to shorten the time from loan application to closing without sacrificing service, quality, or compliance. Our company operates on a platform of high standards, while always putting honesty, integrity, and ethics at the highest level of importance.

Mission Statement

NFM is dedicated to remaining an innovative industry leader by providing our customers with exceptional service and open communication throughout the loan process, working together as a passionate and reliable team, and supporting the communities we serve.

Core Values

  • Service- We WOW our clients.
  • Innovation- We design and implement improved processes, systems, and technology integration.
  • Teamwork- We drive towards our goals together, it’s the path to our greatest results.
  • Excellence- We push ourselves beyond the expected.


David Silverman and his wife, Sandy, founded NFM Lending in 1998 in Baltimore, Maryland with four Loan Originators. The company has since grown to an award-winning, multi-state residential mortgage lender. Silverman currently serves as CEO and, along with President Jan Ozga, fosters a culture of family and sound business practices. NFM’s corporate operations currently reside in Linthicum, Maryland, close to BWI Marshall airport.

NFM Lending is known as America’s Common Sense Lender because we start every new transaction by getting to know the client’s unique financial situation. Beginning with the basics of listening and learning about the people we serve lets us help our clients choose the best mortgage product. The result is customer satisfaction. Our common sense lending philosophy also supports the economic health of our company and the national housing market.

Community Involvement

NFM Lending recognizes that a successful company is not only responsible for exceeding their client’s satisfaction; it is also responsible for creating a positive impact on the communities it services. Visit our NFM C.A.R.E.S. page to see a history of our community involvement, as well as our current projects.

Earth Conscious

As the environment is an integral part of our community, NFM Lending runs a company-wide green initiative: paperless loan process. This initiative promotes a loan process that reduces paper use for both the company and consumer. This initiative saves thousands of reams of paper a month, saving countless numbers of trees from deforestation. We believe that through simple changes like these, a large impact will be made on the environment.

Our Team

NFM Lending is committed to the success of our employees and recognizing their dedication. We take pride in our team members’ individual talents and values. As we continue to expand, we are cultivating a work environment that is professional, inspirational and promotes growth. We reward success through group and individual recognition programs, offer a comprehensive benefits package to NFM Lending employees, and promote from within whenever possible.

Please visit our Careers page to see if NFM Lending is the right career path for you.