Business Details
Your Trusted Partner for Mortgage Solutions
At Nmbnow (NMB), we are dedicated to transforming homeownership dreams into reality through transparent, personalized mortgage solutions. As the fastest-growing mortgage company in the U.S., our success stems from prioritizing education, customer support, and innovative digital processes. Our team of seasoned professionals guides clients through every step of the home financing journey, offering tailored loan products and leveraging decades of industry experience. We uphold rigorous standards of integrity, ensuring compliance with state and federal regulations while maintaining a client-centric approach.Recognized for our streamlined digital mortgage platform and specialized programs like Lending to Heroes, we empower homebuyers with tools and expertise to navigate the market confidently. Our commitment to transparency is reflected in clear communication, no hidden fees for qualifying borrowers, and a proven track record of over 18,500 verified customer reviews averaging 4.85/5. By combining cutting-edge technology with personalized service, we aim to make the home financing process efficient, educational, and empowering for every client.
Services
Purchase Loans
Refinance Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
USDA Loans
First-Time Homebuyer Loans
Non-QM Loans
New Construction Loans
Highlights and features
- We offer a streamlined digital mortgage process with 24/7 online application access.
- Our Lending to Heroes program provides fee-free mortgages for law enforcement, veterans, and community servants.
- We maintain an average customer review rating of 4.85/5 across 18,500+ verified reviews.
- Our team includes NMLS-licensed professionals with expertise in conventional, FHA, VA, and jumbo loans.
- We operate under strict compliance with state licensing requirements in all 50 states.
What people say
Fantastic communication
Transparent process
Excellent service
Quick approval
Personalized guidance
Services
Purchase Loans
Our purchase loan programs help buyers achieve homeownership with options for first-time buyers, luxury properties, and investment homes. We offer competitive rates for conventional loans, jumbo mortgages, and government-backed programs. Our digital platform enables pre-approval in minutes, while local loan officers provide personalized guidance throughout the process.
Refinance Loans
Refinance solutions allow homeowners to optimize their mortgages through rate adjustments, cash-out options, or term modifications. We provide clear break-even analysis and cost-benefit evaluations to determine optimal refinancing timing. Our streamlined process typically closes loans faster than industry averages while maintaining compliance with all regulatory requirements.
FHA Loans
FHA-insured loans offer low down payment options (as low as 3.5%) for qualified borrowers. We specialize in FHA 203k renovation loans that combine purchase or refinance with home improvement funding. Our team guides clients through the unique requirements of these government-backed programs while maintaining strict underwriting standards.
VA Loans
Exclusive mortgage programs for veterans, active-duty service members, and eligible spouses feature $0 down payment options and no private mortgage insurance. Our VA loan specialists understand the unique benefits available through the Department of Veterans Affairs and provide dedicated support through the entire loan process.
Lending to Heroes
This specialized program offers qualified law enforcement officers, teachers, firefighters, and healthcare professionals mortgages with no application, processing, or underwriting fees. Available for purchase or refinance transactions, the program combines favorable terms with personalized service from loan officers experienced in serving these critical professions.
People
Richard Steinberg
Founder & Chairman
With over 25 years in mortgage banking, Steinberg established NMB to combine technology with personalized service. He leads strategic vision while maintaining focus on customer-centric innovation.
Michael Brennan
President
Brennan oversees daily operations and execution strategy. His 20+ years in mortgage leadership roles drive NMB's growth while maintaining commitment to service excellence.
Robert Jayne
Chief Production Officer
Jayne manages loan production operations, ensuring efficient processing and underwriting. With NMLS #3378, he brings decades of mortgage industry expertise to optimize client experiences.
Mary O'Sullivan
Chief Operating Officer
O'Sullivan leads operational strategy and technology implementation. Her focus on process optimization supports NMB's rapid growth while maintaining service quality across all channels.
Jarrett Stanley
Chief Marketing Officer
Stanley directs brand strategy and digital marketing initiatives. He drives NMB's market expansion through data-driven campaigns while maintaining the company's core values.
Questions
What loan programs do you offer for first-time homebuyers?
We provide FHA loans with low down payments, conventional options with private mortgage insurance, and state-specific programs. Our loan officers help determine the best fit based on your financial situation.
How does the Lending to Heroes program work?
This program offers qualifying community servants no application, processing, or underwriting fees. Available for law enforcement, teachers, firefighters, veterans, and healthcare professionals across all 50 states.
Can I refinance with bad credit?
Credit requirements vary by loan type. We offer conventional, FHA, and VA refinance options with different credit score thresholds. Contact a loan officer for personalized assessment.
What's the difference between FHA and conventional loans?
FHA loans require lower credit scores and down payments (as low as 3.5%) but require mortgage insurance. Conventional loans typically need higher credit scores but offer better rates for qualified borrowers.
How long does the mortgage process take?
Average processing time ranges from 30-45 days depending on loan type and documentation completeness. Our digital platform expedites pre-approval to as fast as 8 minutes.
Do you offer jumbo loans?
Yes, we provide jumbo loan options for high-value properties exceeding conventional loan limits. These programs feature competitive rates for luxury home purchases or refinancing.
