Your Trusted, Local Mortgage Experts

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Buying a home is a big step—having the right mortgage team on your side makes all the difference! For over 20 years, The Cowart Team Home Loans, backed by NFM Lending, has helped more than 5,000 families across Central Virginia navigate the mortgage process with confidence. Whether you’re buying your first home or building from scratch, we’re here to offer personalized guidance and home loan options that fit your needs.

The Cowart Team has a proactive, high touch, and people first approach. We treat every client like family, going above and beyond to provide unmatched care, guidance, and support at every step of the journey.

So, if thats what you’re looking for, you’re in the right place! We can’t wait to start this next step with you.

Your Trusted, Local Mortgage Experts

11

Buying a home is a big step—having the right mortgage team on your side makes all the difference! For over 20 years, The Cowart Team Home Loans, backed by NFM Lending, has helped more than 5,000 families across Central Virginia navigate the mortgage process with confidence. Whether you’re buying your first home or building from scratch, we’re here to offer personalized guidance and home loan options that fit your needs.

The Cowart Team has a proactive, high touch, and people first approach. We treat every client like family, going above and beyond to provide unmatched care, guidance, and support at every step of the journey.

So, if thats what you’re looking for, you’re in the right place! We can’t wait to start this next step with you.

 

Our Team

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Mortgage Consultant
Branch Manager
NMLS# 204399
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Mortgage Consultant
Sales Manager
NMLS# 1034510
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Mortgage Consultant
NMLS# 1928522
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Mortgage Consultant
NMLS# 2227755

Wondering Where to Start?

Starting the loan process can be overwhelming, especially if you’ve never been through it before. The Cowart Team is here to help! Click below to learn more about what loan programs we offer, who we work with, and what makes our team unique.

If you want to learn more about who we choose to be as a lending team, we encourage you to learn more about our values, process, and passions!

Our Resources

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Whether you’re here as a client, partner, or just browsing around, we’d love to share some of our resources with you! Below, you can find our webinars and the upcoming schedule, some educational downloads, and other resources we may offer. Remember, if you want to know more, you can always text, call, or email us. We’re excited to hear from you!

What Our Clients Say

  • This was my second experience working with The Cowart Team, and once again, they exceeded my expectations. Mary-Margaret and Matt were incredibly helpful, knowledgeable, personable, and accommodating—working with them felt like working with friends. I can’t say enough great things about my experience!

    Abigayle H.
    A month ago
  • Katie, Mandy, and their team provided invaluable support throughout the home-buying process, expertly navigating tricky moments and unexpected changes. They were knowledgeable, informative, and always ready to answer questions. The team’s ability to adapt and offer alternative solutions instilled confidence and made the experience smooth and reassuring.

    Anna and Borris
    A month ago
  • We met a tight deadline and achieved a smooth closing! Collaborating with VCU and managing the contract added complexity, but The Cowart Team handled it with expertise and ensured everything came together seamlessly.

    Amy S.
    A month ago
  • “The Cowart Team are a group of all stars. Their customer service was excellent and they really made to sure to address all my concerns and answer all my questions rather than rush me through the process like I was a number. Answered calls day or night and was able to make my extremely short closing window feel like a breeze. Thanks for the great service!”

    Kevin C.
    One month ago
  • Mary Margaret and Greg were wonderful to work with. They helped us navigate a tough situation with care and expertise, making everything feel so much easier. We’re really grateful for their support. Thank you!

    Alexander B.
    Two months ago
  • “The Cowart Team Backed by NFM Lending went above and beyond to make sure that we always understood every part of the process. Every detail was given so clearly and they gave us a plan to move forward to make our dream of home ownership possible! We are so extremely thankful that we worked with them to buy our FIRST HOME!”

    Jena H.
    1 year ago
  • “It was a pleasure to work with The Cowart Team! As a first time homebuyer, it can be overwhelming but the team made the whole process smooth and worry free. The service and communication I received was top notch! I can’t say thank you enough to all the team members for making my quick closing possible. They exceeded my expectations and I would definitely recommend giving them a call!”

    Margaret O.
    9 months ago
  • “The Cowart Team saved our loan after another company made a huge mistake that could have cost us to lose the contract on our new home. They took the time to talk and listen to both me and my husband, and he communicated on a very emotional level. I knew they cared about our situation. After we decided to go with NFM lending, everything went smoothly and we were able to close on time without any issues.”

    Blair N.
    1 year ago
  • “The Cowart Team did all of the heavy lifting and the whole process required little effort on my part. They have a full team to support all levels from start to finish in obtaining the mortgage. We received an awesome rate and any issues that arose were quickly tackled with great communication. I felt as if NFM was working on my behalf as my agent as opposed to working for a profit. Definitely a trustworthy company and team to explore for your mortgage needs!”

    Craig G.
    1 year ago
  • “I would not go anywhere else for a mortgage or refinance. The Cowart Team were amazing. We had a lot of roadblocks with our property and TCT/NFM helped navigate all of them to get our refi to the finish line. Awesome communicators, and so positive too. Cannot recommend them enough.”

    Jessica B.
    2 years ago
  • “The Cowart Team are amazing to work with, they made the house buying process super smooth. They were always available, easy to talk to, and explained every step along the way. I was extremely nervous about the process but they were able to put me at ease. It was great to have someone available at all time, specially over a holiday weekend when I went under contract. I had very tight deadlines, and the team helped me close in 14 business days! I would recommend them to everyone!”

    Christina D.
    3 years ago
  • “The Cowart Team did a fantastic job for us. Even when an unexpected issue arose, they helped us work through it without panicking or any additional costs to us. They really made us feel like we were their only clients. I would get a call back, email or text within minutes of reaching out with a concern or question. If we ever have need of their services again, I will not hesitate to call upon the Cowart team at NFM Lending.”

    John A.
    3 years ago
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