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Craig Kam - Loan Originator

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United States
Bethesda, MD
Craig Kam - Loan Originator

Hi, my name is Craig Kam, and I’m a Branch Manager for NFM Lending (NMLS #2893).
(5)

Buy a house 🏠 get a mortgage🏦

Hit link 🔗below for info ℹ️

👇👇👇
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

01/13/2026

My team and myself help with mortgages in 49 states

01/13/2026

🚨 Trying to buy a new house BEFORE selling your current one? 🚨

This is where most people get stuck…
💥 Bridge loans fix that problem.
A bridge loan lets you: 🏡 Buy your next home
⏳ BEFORE your current home sells
💰 Use your home’s equity for the down payment
😌 Avoid making a contingent offer

Translation ⬇️
You don’t have to rush, panic-sell, or lose the house you actually want.
How it usually works: ✅ Short-term loan (temporary)
✅ Uses equity from your current home
✅ Gets paid off when your old home sells
✅ Makes your offer STRONGER to sellers
Perfect if: ✔️ You already own a home
✔️ You have equity
✔️ You found the next house

✔️ You don’t want to sell first and be homeless
Most buyers don’t even know this exists

01/13/2026

USDA loans = 100% financing
Yep… $0 down is real.
If you: 🏡 Want to buy (not rent)
🌳 Are okay living just outside the city
💼 Have steady income
📊 Have decent credit (not perfect)
👉 You might qualify for a USDA loan.
That means: ✅ No down payment
✅ Lower monthly payment
✅ Lower mortgage insurance than FHA
✅ You keep your savings in the bank

01/12/2026

My team works with lines of credit in 49 states

01/12/2026

My team helps home buyers in 49 states

01/11/2026

Deposits, large EMD'S (Ernest money deposit) help secure a real estate transaction

01/11/2026

My team and myself work in 49 states

01/11/2026

You can reach me by finding the link 🔗 in my profile and setting a time to talk 📞 🏡

01/11/2026

🔥 VA Buyers: You Can Walk Away with CASH at Closing — Even On a VA Loan! 💸🇺🇸
Most people think VA = no cash back… but that’s wrong ⚠️

💡 Here’s the tip:
You can get cash back at closing with a VA mortgage as long as it’s from your own funds being returned — like an overage, unused seller credits, or prepaid refunds.

🏠 For example:
✔️ Seller gives $3,000 in concessions
✔️ Your required closing costs were only $1,500
👉 You can legally walk away with $1,500 to pay debt

01/11/2026

A HELOC = Home Equity Line of Credit
Think of it like a credit card backed by your house 🏡💳
✔ You don’t get all the money at once
✔ You only pay interest on what you use
✔ You can draw funds, pay it down, and reuse it

Common ways people use a HELOC:
• Pay off high-interest credit cards
• Renovate the house
• Buy another property
• Cover big life expenses (college, business, emergencies)

01/11/2026

FHA Seller Help

🤝 FHA allows up to 6% seller help
That can cover:
• Closing costs
• Prepaids
• Rate buy-downs

01/11/2026

When buying a house spoken words don't count eveything needs to be in writing

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

https://linktr.ee/buynotrentguy

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