
michael lynch
About
I am a Licensed Loan Originator dedicated to serving Annapolis, MD, and the surrounding areas. My approach focuses on understanding your financial situation to help find the loan that best meets your needs. Whether you are purchasing or refinancing your home, I work with you to streamline the process, ensuring a smooth journey from application to closing. NFM Lending is committed to providing exceptional service while keeping your experience efficient and rewarding.
Primary Markets
- Annapolis, MD
- Bethesda, MD
- Bowie, MD
- Chevy Chase, MD
- College Park, MD
- Crofton, MD
- Glenn Dale, MD
- Greenbelt, MD
- Takoma Park, MD
Loan Specialties
VA
Jumbo
Fixed-Rate
Adjustable-Rate
Down Payment Assistance
Who I specialize in helping
Reviews
Cynthia
Sep 29, 2026
I cannot recommend Mike Lynch of NFM Lending highly enough. As a real estate professional, having a trusted lending partner is critical, and Mike Lynch has been my go-to for years. He has a perfect track record, he has never missed a closing or failed to get a transaction across the finish line. Beyond his reliability, his responsiveness and accessibility are unmatched; he is always available to answer questions and keep everyone informed throughout the process. Every single one of my clients who works with him comes away satisfied and happy with their experience. If you are looking for a seamless, stress-free lending experience, Mike Lynch is the absolute best in the business.
D
Mar 24, 2026
Mike and his team at NFM lending continues to provide exceptional experiences and honestly they continue to exceed expectations. From start to finish everything felt seamless and well organized. The communication was prompt and clear, which made me feel like a priority every step of the way What really impresses me was the level of professionalism and attention to detail. As a returning client Mike didn’t just meet my standards, he went above and beyond ensuring everything is perfect. It’s rare to come across a service that delivers what’s promised and still manage to surprise you in the best way possible. I felt completely confident in my decision to again go with Mike and his team. I would recommend to anyone looking for top tier service.
Tony
Dec 4, 2025
I can’t say enough good things about Mike Lynch and his team. From start to finish, they made my home purchase experience smooth, stress-free, and genuinely enjoyable. Mike was always patient, clear, and incredibly responsive—walking me through every step and making sure I understood all my options. His team worked with speed and professionalism the entire way. If you’re looking for a lender who truly cares and delivers top-notch service, Mike Lynch is the one. Highly recommended!
Keia
Jan 6, 2026
Mike Lynch at NFM Lending was fantastic to work with. He was responsive, knowledgeable, and made the entire loan process smooth and stress-free. He explained everything clearly, stayed on top of timelines, and was always quick to answer questions. I truly felt supported from start to finish and would highly recommend Mike to anyone looking for a reliable and professional lender.
Bernie
Dec 10, 2025
I worked with Mr. Lynch a few years ago when I first became interested in purchasing a home. At that time, my credit wasn’t good at all. When I expressed interest a second time, Mike reviewed my credit reports and provided extremely valuable coaching on how to clear up and resolve items in collections, obtain new credit, and improve both my credit usage and overall creditworthiness. Mike made the process of gathering and submitting all financial documents—as well as verifying my residence and employment—very easy. There were some bumps in obtaining older tax documents from both the state and federal government, but even then, Mike was able to communicate with staff at both agencies to clarify exactly what I needed and, when necessary, identify acceptable alternative documents. Once all documents were gathered and submitted for verification, the process became even easier. Although there were still occasional snags, and my anxiety sometimes felt like it had levels of its own, I was able to stay focused and push ahead thanks to the assistance of Rosita and Mike, who were always available whenever I contacted them. The lessons I learned—from getting my finances in order to navigating the inspection process for my new home—were incredibly valuable and essential for any new homeowner. The class I took through Framework, Homeownership, was also an excellent investment. All of the videos and tests were very informative, and I highly recommend that all new homeowners take a course like this or something similar to gain a solid understanding of the entire homebuying process, including the terminology and expectations leading up to closing. I will highly recommend Mike and NFM Lending to anyone looking to purchase or refinance a property