The Cowart Team

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For 20 years, The Cowart Team, backed by NFM Lending, has guided over 5,000 Virginia families through the homebuying/mortgage process –  coordinating, coaching, and partnering with our clients every step of the way.

We’re different. With most lenders, you apply online, get an automated prequalification letter for a super high home price, and you are off. Good luck… We believe our competition has the approach all wrong. Our model is consultative, interactive, and high-touch – we listen, talk, advise, and offer options. We communicate your way with experienced mortgage consultants available for you by cell phone even on weekends and evenings.  Our customized mortgage plans, created by our team, inspire confidence and allow our clients to win in this competitive market.

In addition to building a process that revolves around you, we offer competitive rates and all the mortgage products that you’d expect as you look to finance your home. This is your BIGGEST purchase. Let’s get it right and do mortgage right!

11The Cowart Team - Based in Richmond, VA
11The Cowart Team - Based in Richmond, VA

The Cowart Team

11

For 20 years, The Cowart Team, backed by NFM Lending, has guided over 5,000 Virginia families through the homebuying/mortgage process –  coordinating, coaching, and partnering with our clients every step of the way.

We’re different. With most lenders, you apply online, get an automated prequalification letter for a super high home price, and you are off. Good luck… We believe our competition has the approach all wrong. Our model is consultative, interactive, and high-touch – we listen, talk, advise, and offer options. We communicate your way with experienced mortgage consultants available for you by cell phone even on weekends and evenings.  Our customized mortgage plans, created by our team, inspire confidence and allow our clients to win in this competitive market.

In addition to building a process that revolves around you, we offer competitive rates and all the mortgage products that you’d expect as you look to finance your home. This is your BIGGEST purchase. Let’s get it right and do mortgage right!

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11Greg Cowart
Mortgage Consultant
Branch Manager
NMLS# 204399
11Jesse Perrone
Mortgage Consultant
Sales Manager
NMLS# 1034510
11Mary Margaret Harrill
Mortgage Consultant
NMLS# 1928522
11Katie Townsend
Mortgage Consultant
NMLS# 1318568
11Matt Pritchett
Mortgage Consultant
NMLS# 2227755
11Josh Lockwood
Mortgage Consultant
11Mandy Barden
Loan Manager
Processor
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Business and
Marketing Manager
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Director of
Digital Marketing
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Database Management -
VA
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Sales Support - VA

The Cowart Team Values

Our values are a reflection of who we are as people and as a team. Our values help you choose if you want to hire us as the right mortgage lender match for you and your family. 

11Value

We combine competitive rates with white-glove service to WOW our clients.

11Responsive

Local mortgage experts using text, email, and phone to communicate your way.

11Education

We listen, collaborate, and advise to proactively educate and empower homebuyers.

11Integrity

Treat others as you want to be treated. Do the right thing. We care about our clients.

11Team Approach

A team of mortgage pros working together for you so you can be confident and win.

 

Why Choose Us?

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Our experience… Our reputation… Our client reviews… How the interaction feels different when you reach out to our team… Our old fashioned yet high tech approach… There are a lot of reasons to choose The Cowart Team backed by NFM Lending.

We are experts at what we do. We guide clients through the deceptively complex and emotional process of buying a home. We view ourselves as helping professionals and truly enjoy going the extra mile to help you avoid pain, coordinate all the moving pieces, win on the home you love, and get the best handcrafted mortgage plan for your family. And, we do all of this with competitive loan terms and a responsive consultative approach.

Practice makes perfect. We offer what others can’t. 20 years of helping Central Virginia homebuyers, 90+ years of team mortgage experience, a small local business feel, our top reputation in this town, and stellar reviews. We are ranked in the top 1% of mortgage originators in the U.S.. Buying a home is a big deal. Hire the best! You can trust our experience AND the horsepower that comes with our team approach.

  • Top 1% of Mortgage Originators in the US since 2013
  • 4.9 out of 5 in Google Reviews
  • 90+ years’ experience helping families buy homes
  • 400+ families just like you choose our team each year
  • 8 Mortgage Consultants Teamed Together to support you
  • Client Centered Educational Advisor Approach
  • Use our reputation and coaching to WIN on your contract offer
  • Your mortgage is handled locally in RVA
  • Excellent Weekend Availability using Cell Phones

What Our Clients Say

  • “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.
    1 month 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 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 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
  • “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
  • “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
  • “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

Recent TCT Events

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Here and Now: Buying a Home in Central Virginia!

  Here and Now: Buying a Home in Central Virginia!  Join us this June 25 at 6:00 PM EST via Zoom! Join our webinar for an adrenaline-packed dive into transitioning homes, rocking the market with winning strategies, and mastering the art of interest rates. Don’t miss this pulse-raising journey to...
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2x Tuesday: Debunking Virtual Assistant Myth

Join us on Tuesday, July 9, 2024, for an insightful webinar hosted by our special guest speaker, Jessica Thomas, Director of Operations at The Pace of Richmond. Jessica will be debunking common myths about virtual assistants and sharing how they can transform your business operations. Don’t miss this opportunity to...
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Budget Like a Boss!

Homeownership is possible! It starts with budgeting.  Sign up for our Homebuyer’s class on July 30 at 6:00 PM EST with Jesse Perrone! Sign Up Below to RSVP! https://form.jotform.com/241063241077448  
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