Great Options for Purchase, Refi, Cash-Out & HELOC
Get clear numbers, a fast pre-approval, and a smart 90-day plan—built for DC • MD • VA. Whether you’re buying, lowering your payment, or unlocking equity, we’ll match you with the right strategy.
Competitive Options
We compare programs and structures based on your goals—payment, cash-to-close, and long-term strategy.
Transparent Guidance
No hidden games. We explain what you qualify for, why it works, and what to do next.
Fast & Simple Process
A streamlined intake and document checklist to move you from “thinking about it” to approved.
Home Financing Made Clear—From Pre-Approval to Closing
Purchase, refinance, HELOC, and cash-out options—explained in plain language with a plan you can act on.
Your Buying Power, Clarified
Know your budget, payment range, and best strategy before you start touring homes.
Cash-Out & Equity Strategy
Unlock equity for renovations, debt consolidation, or investing—with a clear cost/benefit breakdown.
Investor-Friendly Options
Support for rental properties and investment scenarios with guidance built around returns.
Refinance That Actually Makes Sense
Lower your payment, shorten your term, or remove PMI—only if the math works.
HELOC Flexibility
A revolving line of credit secured by your home—great for projects and planned expenses.
Clear Communication, No Confusion
Fast updates, clean next steps, and a smooth path to closing.
Mortgages aren’t just rates—they’re leverage. We help you choose the smartest structure for your goals, then execute with speed and clarity. From pre-approval to closing (and even after), you’ll know exactly where you stand and what’s next.
The Credle Group Team
Mortgage + Real Estate Strategy | DC • MD • VA
Financing that builds wealth—not stress.
Personalized guidance, smart strategy, and a process designed to help you move confidently—online or in person.
A Process Built for Confidence
We make your options easy to understand, your next steps obvious, and your timeline realistic—so you can move fast without making expensive mistakes.
Expert Loan Guidance
We provide clear, personalized advice to help clients make informed mortgage decisions.
Smart Loan Strategy
Compare scenarios: payment, cash-to-close, equity, and break-even timelines.
Consistent Support
Reliable service that adapts to clients' needs, ensuring a smooth journey every step.
Inspiring Homeownership Journeys
From tailored mortgage solutions to seamless experiences, we bring your homebuying process to life. We create with care, guide with expertise, and deliver with confidence.
Our Team Say
A local DMV team at NFM Lending is focused on clarity, speed, and strong execution—purchase, refi, equity, and HELOC.
Loan Officer - NMLS# 1752274
Carlos Credle
Branch Mangager - NMLS# 13938
Jason Charles McLaughlin
Branch Manager - NMLS# 145055
Mary Sirico Levinson
Processor
Stephanie Hagley
Junior Processor
Amanda Hardgrove
Mortgage Clarity That Gets You to the Finish Line
We focus on delivering clear, informative messaging that fosters trust and credibility. Every detail is crafted to connect with homebuyers, ensuring your message inspires confidence and drives results.
Purchase Pre-Approval + Offer Strategy
Refinance & PMI Removal Analysis
Cash-Out + HELOC Equity Planning
Compliance-Aware Communication
What Our Clients Say
We’re proud of our work—here’s what our clients have to say about partnering with us:
Start Your Purchase, Refi, Cash-Out or HELOC Plan
Frequently Asked Questions
Got questions? Here are answers to common queries before starting your home loan journey with us.
What loan options do you help with?
Purchase loans (primary + investment), refinance options, cash-out, and HELOC guidance—based on your goals and eligibility.
How fast can I get pre-approved?
Most clients can get a same-day or next-business-day plan once we have your basic info and documents.
How do I know if refinancing is worth it?
We compare payment savings, break-even timeline, and total cost—then recommend the smartest move.
What’s the difference between a HELOC and cash-out refinance?
A HELOC is a revolving line of credit; cash-out replaces your mortgage with a larger loan. We’ll compare both.
Can you help me use equity for renovations or investing?
Yes—cash-out or HELOC options can be structured around your project timeline and budget.
What do I need to get started?
To get you pre-qualified fast, we just need a few basics so we can confirm your buying power, payment range, and best program options (Purchase, Refi, Cash-Out, or HELOC).
Please have:
Last 2 pay stubs (income verification)
Last 2 W-2s (or 2 years of tax returns if self-employed/1099)
Last 2 months bank statements (funds for down payment/closing + reserves)
Photo ID (identity verification)
Property address (if refinancing/HELOC) (to estimate value, payoff, and equity options)
Once you’re ready and pre-qualified, you can submit your full application here:
nfmlending.com/loanoriginator/carlos-credle
We can help across most major programs, including Conventional, FHA, VA (Veterans), USDA, Down Payment Assistance (DPA), Foreign National, and scenarios like new jobs/offer letters (when eligible).
© 2026 The Credle Group — All rights reserved.
1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
NMLS #2893