Become A Loan Officer with Element Home Loans, a division of NFM Lending

Element Home Loans is the newest Division of NFM Lending, the national leader in innovative home lending. Element is structured to provide success for employee and client stakeholders not available in existing competitors. We combine significant financial backing from a large national company with a creative, boutique culture. Element Home Loans is a company that listens to our expert staff and has the resources to take you to rapid and sustainable success.

Loan Originator Benefits and Advantages

• Competitive Pricing and Closing Costs
• Robust Brand Development and Marketing
• Flat, Local Management Structure
• Weekly Coaching and Career Development
• Unlimited Upside Income Potential
• Easy On-Boarding
• In-House Underwriting and Processing
• Compliance Support
• Licensing Support
• Great Health Benefits
• Direct Seller to Fannie Mae, Freddie Mac, and Ginnie Mae

We are hiring individuals that want to take their business to the next level –  Element Home Loans provides a blank canvas for you to create a successful business. We understand that there is no one right way to accomplish your goals and are committed to listening to your specific needs to help grow your business now and in the future.

For more detailed information please email rcarrier@elementhl.com.

Who We Are

Element Home Loans is an award-winning, multi-state residential mortgage lender currently licensed in 42 states. Element Home Loans focuses on assisting consumers in obtaining a residential loan that meets their needs while ensuring that they are receiving exemplary service throughout the process. Element Home Loans 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

Element 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.

History

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. 

Element Home Loans 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

Element Home Loans 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 Element 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, Element Home Loans 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.

Awards

• Top Work Places (2019 – 2020) – The Baltimore Sun
• Top Mortgage Employer (2015 – 2017, 2019, 2020) – National Mortgage Professional Magazine
• Top 100 Mortgage Companies in America (2013, 2015 – 2018) – Mortgage Executive Magazine
• Top 50 Best Companies to Work For (2013 – 2016, 2018) – Mortgage Executive Magazine
• Top Work Places (2018 – 2020) – The Washington Post
• Top Mortgage Lenders (2012, 2013, 2017, 2018) – Scotsman Guide

• 100 Most Influential Mortgage Executives in America (2013 – 2016) – Mortgage Executive Magazine
• #1 Mid-sized Company (2015) – The Baltimore Sun
•  Top Private Companies in the Baltimore Area (2014) – Baltimore Business Journal
• One of the Fastest-Growing Private Companies (2013) – Baltimore Business Journal
• Best Places to Work – Finalist (2019) – Baltimore Business Journal

Our Team

Element Home Loans 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 Element Home Loans employees, and promote from within whenever possible.

Please visit our Careers page to see if Element Home Loans is the right career path for you.