Elevate Home Loans
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Apply Now
Existing Customer?
Elevate Home Loans
  • About Elevate
    • Leadership
    • Reviews
  • Financing Your Home
    • Purchase
    • Refinance
    • Calculators
      • Home Loan Calculators
      • All In One Loan™ Simulator
      • Rate Buydown Calculator
    • Education
      • Home Loan Types
      • Loan Process
      • Mortgage Loan Checklist
      • Your Credit
      • Appraisals
  • Realtors & Builders
    • Technology
    • Products
    • Marketing
    • Communication
  • Careers
    • Operations & Admin
    • Loan Officers
    • Open a Branch
    • Benefits
  • Find A Loan Originator
  • Contact
  • Apply Now
    Existing Customer?
  • About Elevate
    • Leadership
    • Reviews
  • Financing Your Home
    • Purchase
    • Refinance
    • Calculators
      • Home Loan Calculators
      • All In One Loan™ Simulator
      • Rate Buydown Calculator
    • Education
      • Home Loan Types
      • Loan Process
      • Mortgage Loan Checklist
      • Your Credit
      • Appraisals
  • Realtors & Builders
    • Technology
    • Products
    • Marketing
    • Communication
  • Careers
    • Operations & Admin
    • Loan Officers
    • Open a Branch
    • Benefits

Reviews

Reviews

To help ensure satisfaction we survey every customer to make sure they received optimal service and the best experience possible. We love hearing from customers. Read what our recent customers had to say.

 5/5
The team at Elevate Home Loans are amazing to work with. They did a fantastic job of communicating with us through the entire process from prequalifying us through making sure we had all the necessary information submitted to finally closing on our home. They really made the home buying process enjoyable and I appreciated the high level of professionalism displayed by everyone we worked with on this team. Will definitely work with them again!
-Tim Allen
 5/5
Wonderful experience from start to finish! Andy and Shawn were so great to work with and were so supportive and helpful every step along the way. They went out of their way to help my refinance go through and as a self-employed single mom, I couldn't be happier! Highly recommend this fabulous team.
-Elena Davis
 5/5
Easy process, professional handling, no hidden anything.
-Jaymes Nelson
 5/5
Bo at Elevate home loans did an excellent job in making our refinance seamless, time efficient, and unstressful. I would definitely recommend them to anyone.
-Matt Houston
 5/5
I financed with this company in 2018 and they got me the most competitive rate. They are clear concise and ready to work with you. 10/10 would finance with again.
-Marco Benji
 5/5
As a Realtor, I need a lender that I can trust to be prompt at communicating and Mike's team is always extremely prompt! I need a team that treats my buyers with a high level of customer service and Mike's team does just that. I would recommend the Bowen Team at Elevate Home Loans to all buyers and Realtors wanting to work with a top-notch lender!!
-Chad Prince
 5/5
Mike and his team took excellent care of our family with the home buying process. They helped put our mind at ease and made us feel comfortable every step of the way. We appreciate their professionalism and sincerity. We recommend anyone going through the process of buying a home, to use the Bowen team!
-Brian Guidotti
 5/5
Mike's team at Elevate Home Loans is extremely professional and friendly. Their customer service to myself and my clients is impeccable, and as a Realtor, that is very important to me. I love working alongside a lender who values their clients just as much as I do! I would recommend Elevate to anyone in need of a home loan, they will experience the utmost attention and care.
-Haley Kirby
 5/5
Mike & his team are by far #1 in the industry! They take their business very seriously, attentive to their clients needs & I love the constant updates in every transaction. Being a Realtor for over 20 years, I wouldn’t think of using anyone else! Thanks Mike & Team!!! You guys rock!😎
-Jennifer Buckley
 5/5
I can’t say enough wonderful things about our experiences working with the Bowen Team. They are the only mortgage lender we will use! The relationships they have with realtors helped make our offer on our dream home the most competitive in a sellers market. As first time homebuyers, the mortgage process felt daunting, but the Bowen team helped alleviate any concerns we had. They made the whole process, from application, to processing, to underwriting, to closing so smooth! The Bowen team is always looking out for our best financial interests, and even helped us refinance when it made sense for us, which helped us save a lot over the term of our loan. Thank you Bowen team for everything you have helped us with!
-Brooke Stoesz
 5/5
I've needed to refinance for the past two years but it's always been a long horrible experience for me so i have put it off. Thank you Jessica for guiding me through the process and showing me just how easy and quick the process can and should be. Looking forward to doing all my work with you and Elevate Home Loans in the future. I will highly recommend you to everyone I know whenever your services are needed. Thank you.
-Dan McCormack
 5/5
Elevate Home Loan was very professional and not pushy throughout the process of helping me with my refinance. Thank you for making everything smooth and stress-free.
-Jay H.
 5/5
I would recommend Elevate home loans to everyone! The team was so helpful and kind . Communicated with us the through the whole process making it easy for me.
-Alex Gonzalez
 5/5
Loved the whole team ! they communicated with me through the whole process made everything easy for us, I definitely recommend Elevate Home Loans.
-Sabrina Fierro
 5/5
Elevate Home Loans was amazing to work with from pre-approval thru closing. Great communication from everyone through every step. They managed to get my loan closed exactly when I needed it! I would highly recommend Elevate Home Loans to anyone!
-Dierdre Patterson
 5/5
I’d like to give a shout out to Mike Bowen and his team. I have been doing real estate for almost 30 years and Mike and his team are the best. If you want good service you’re not going to get it, instead you’re going to get EXCELLENT service. If you want things done fast, it’s going to get done faster. If you want good communication for your clients and yourself, you’re going to get great communication. Everybody out there trust me, this is the guy that you want to get a hold of to take care of your clients.
-Dean Gary
Read More Reviews Here
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Corporate Headquarters

1190 Winterson Road, Suite 300,
Linthicum, MD 21090
Toll Free: +1 (888) 233-0092
[email protected]
NMLS #2893

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© 2025 NFM Lending, LLC dba Elevate Home Loans. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending. www.nfmlending.com. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

  • NMLS Consumer Access
  • Equal Housing Lender
  • MBA Member

Equal housing lender. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. Subject to Debt-to-Income and Underwriting requirements. This is not a credit decision or a commitment to lend. Eligibility is subject to completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. Not all programs are available in all areas. Offers may vary and are subject to change at any time without notice. Qualifying credit score needed for conventional loans. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. The pre-approval may be issued before or after a home is found. A pre-approval is an initial verification that the buyer has the income and assets to afford a home up to a certain amount. This means we have pulled credit, collected documents, verified assets, submitted the file to processing and underwriting, ordered verification of rent and employment, completed an analysis of credit, debt ratio and assets, and issued the pre-approval. The pre-approval is contingent upon no changes to financials and property approval/appraisal. For Arizona originators: AZ# BK-0934973. In Alaska, business will only be conducted under NFM Lending and not any of our affiliate sites.