Why is it important to talk with a lender and get preapproved before looking at homes
with a Realtor?

*It is highly important to understand how much home you can afford. The current interest rate, your debt to income ratio, cash required for closing, down payment and closing costs are all variable and can have a significant affect on the sale price of a home you can afford to purchase.

*Most often sellers will require a pre-approval letter along with your offer on a property.

*An initial consultation with a lender will educate you on the overall scope of the loan process, expectations, current market conditions, etc.

*You will save so much of your time and energy by narrowing your price range. It’s important to have realistic expectations, spend YOUR time wisely, and prioritize your needs.

The Cowart Team of NFM Lending

(Home Transactions)

Greg Cowart
Branch Manager – Loan Originator
NMLS #204399
Cell: 804-306-6463

NFM Lending



Colonial Farm Credit

(Rural Property & Land Transactions)

Forrest Sanford
Relationship Manager
NMLS #1036072
Cell: 804-690-5421


clay roberts

Colonial Farm Credit

(Rural Property & Land Transactions)

Clay Roberts
Relationship Manager
NMLS #663180
Cell: 804-746-4581 Ext 1149