National Fidelity Mortgage, also known as NFM Lending should be avoided by all prospective mortgage clients. To begin with the fees they charge are way too high and the loan officers only get paid if they increase the already obnoxious "junk fees". They will tell you they are full salaried employees. They are not, they earn commissions off of fees they charge their borrowers. That is the only way they get paid.
You can find any mortgage they offer at a much lower price at more reputable lenders. Always inform yourself of the perils of the OPTION ARM or MTA product they offer. The loan is a disaster for most people who accept it. You may have lower monthly payments but the rate they are offering is very short term and is not an intereste rate. It is a payment rate. Every payment you make increases the balance on your mortgage instead of decreasing your balance. Eventually, your payments will be much higher than you probably pay right now. Don't take this loan program.
If you are offered a "credit repair program", don't believe it. There is no such thing. Any program will improve your credit if you make your payments on time. Take any paperwork you receive from NFM to your attorny. Let them look it over. You will find you are paying way too much for a program that probably doesn't make sense for you or your family.
Do some research on the company and the principal. You will find some interesting reading on the internet. Realize who you are doing business with. I was fooled by them, don't do the same thing I did and accept their word at face value. There is no value in their words. Avoid NFM - National Fidelity Mortgage. You can get the same programs for much less at other companies.
Apparently, they have branches throughout the mid-atlantic states. They may operate differently in those offices, but the office in Linthicum, MD (corporate headquarters) will rip you off if you do not do your research. Let a local, more honest lender give you a counter offer on anything NFM offers you. You will find the fees are much less and you will be infromed of what you are getting ready to sign. REMEMBER - THE ONLY WAY THE LOAN OFFICER GETS PAID AT NFM IS TO RIP YOU OFF!!!