Craig Kam - Loan Originator

Craig Kam - Loan Originator Hi, my name is Craig Kam, and I’m a Branch Manager for NFM Lending (NMLS #2893).
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https://linktr.ee/buynotrentguy

NMLS146561, NFM Lending NMLS #2893 NFM Lending is an Equal Housing Lende I have been loan originating branch manager since 1999 and have been with NFM Lending since 2013

I am an experienced, professional Loan Originator who always puts his clients first. I make it my number one goal to communicate with my clients throughout the loan process and to give them status updates, so they are always informed. I am innovative and resourceful and have the experience to handle problems that may come up in the process. My customer’s satisfaction is my number one goal, and they, in turn, become my best referral source! Reviews https://www.experience.com/reviews/craig-kam

NFM Lending has been in business since 1998 based out of the Baltimore Area. NFM Lending is an award-winning, multi-state residential mortgage lender currently licensed in 37 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. We are dedicated to streamlining the loan process in order to shorten the time from loan application to closing without sacrificing service, quality, or compliance. The company operates on a platform of high standards, while always putting honesty, integrity, and ethics at the highest level of importance. If you would like to find out more about what I do, please contact me at 301-452-3429 or email me at [email protected]. You can also visit my website for more information:

NFM is an Equal Housing Lender

08/12/2026

My team and I work with mortgages in 49 states

Yes—you may be able to borrow your down payment.Depending on the loan program, funds could come from a secured loan, you...
08/12/2026

Yes—you may be able to borrow your down payment.

Depending on the loan program, funds could come from a secured loan, your 401(k), or an approved down-payment-assistance program. However, the new monthly payment may count toward your debt-to-income ratio.

You generally cannot use an unsecured personal loan or credit-card advance for the down payment. Always check with your lender before borrowing the funds.

Big shout out to my newest top fans! 💎 Bill Edwards, Virgilio Germata, Khalid Ousaf, Mike Moyzis Sr., Stella Oserogho, S...
08/12/2026

Big shout out to my newest top fans! 💎 Bill Edwards, Virgilio Germata, Khalid Ousaf, Mike Moyzis Sr., Stella Oserogho, Starla Mcdaniel, Jdm Guys, Abdul Hashimi, John Sheehan, Dana Brown, Mary Fitzgerald, Daniel Na, Paul Eckard, Kim Murray, Steve Handelman, Michelle Hall, Russell Stegall, Frank Concepcion, Joy Gillespie, Thakur Rupnaraine, Remus J Gaynor III, Garfield Mcdonald, Ricardo Guerra, Juliet Villegas, Johnny Colon

Drop a comment to welcome them to our community,

08/12/2026

My team and I work with mortgages in 49 states

A bonus income can be used to qualify for a mortgage.Generally, the lender will look for:A history of receiving the bonu...
08/11/2026

A bonus income can be used to qualify for a mortgage.

Generally, the lender will look for:
A history of receiving the bonus.
Two years is preferred, but conventional financing may allow as little as 12 months with strong supporting factors.

Evidence it is likely to continue.
Current paystubs, W-2s and/or a verification of employment showing the bonus history.

A stable or increasing trend.

If bonuses are declining, the lender may use a lower amount or exclude them.

The qualifying amount is normally averaged, rather than simply using the most recent or largest bonu

An appraisal is not a home inspection.The appraiser estimates the property’s value for the lender. A home inspector look...
08/11/2026

An appraisal is not a home inspection.

The appraiser estimates the property’s value for the lender. A home inspector looks for problems that could cost you money after closing.

Most buyers need both.

No job. No pay stubs. No W-2s. No tax returns.This client still found a way to buy an $800,000 home.He had $1.15 million...
08/11/2026

No job. No pay stubs. No W-2s. No tax returns.

This client still found a way to buy an $800,000 home.

He had $1.15 million in eligible assets, so instead of qualifying with employment income, we used an asset-based mortgage.

Sometimes the question isn’t, “How much do you earn?”

It’s, “How much do you have in assets?”

Address

Bethesda, MD

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 2pm

Telephone

+13014523429

Website

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