Heidi Ickrath Gage NMLS 213769

Heidi Ickrath Gage NMLS 213769 Heidi Gage, National Renovation Loan Manager NMLS #213769 NFM NMLS #2893 NFM is an Equal Housing Lender
Check out my YouTube Channel below!

I have over 30 years of experience in the mortgage industry, with a specialization in Renovation loans, including the FHA 203k loan. I began my career in loan closing and processing. Then, in 1997, I decided to transition to originating loans for clients. My greatest joy is consulting with clients to provide them with an extensive variety of mortgage options to best meet their needs. I am able to

use my background as a processor and a closer to enable a smooth loan transaction and deliver the best mortgage experience to your clients. DE-MLO-213769, MD-26-1927, PA-70248

Ever wonder why two buyers can get completely different rates on the same day? Your rate is not random.Swipe to see what...
09/08/2026

Ever wonder why two buyers can get completely different rates on the same day? Your rate is not random.

Swipe to see what exactly goes into it and what you can do to get the most competitive rate possible.

Your offer is more than just a number. In today’s market, knowing how to structure a strong offer can be the difference ...
09/04/2026

Your offer is more than just a number.

In today’s market, knowing how to structure a strong offer can be the difference between getting the home and losing it to someone else.

Swipe to see what sellers actually care about and how to make your offer stand out.

Closing costs caught you off guard? You are not alone.Many buyers focus on the down payment and forget about the fees th...
09/02/2026

Closing costs caught you off guard? You are not alone.

Many buyers focus on the down payment and forget about the fees that come with it. Swipe to break down exactly what closing costs are, what is included, and how to reduce them.

Thinking about refinancing before the season shifts? Here’s what’s worth considering before you make that move. Contact ...
08/31/2026

Thinking about refinancing before the season shifts? Here’s what’s worth considering before you make that move.

Contact me today for more information and tips!

08/31/2026

26 hours of CE for the year - DONE!

5.0 star review received on Experience.com for Heidi Gage by Robert N - Service was beyond expectation, best I have deal...
08/31/2026

5.0 star review received on Experience.com for Heidi Gage by Robert N - Service was beyond expectation, best I have dealt with, and I have completed numerous real estate transactions. Communication was constant throughout process, very important. Issues and problems, and there always is, were dealt with and resolved quickly. Thank you.

Click to see all 223 reviews of Heidi Gage at NFM Lending, Renovation Loan Manager/Loan Originator | NMLS # 213769

A fall closing starts with summer prep. If buying is on your radar for later this year, here’s the checklist to start wo...
08/27/2026

A fall closing starts with summer prep. If buying is on your radar for later this year, here’s the checklist to start working through now.

Questions about any step? That’s what I’m here for.

Mortgage rates aren’t one-size-fits-all. Here’s why quotes vary, what factors into yours, and how to read what you’re re...
08/19/2026

Mortgage rates aren’t one-size-fits-all. Here’s why quotes vary, what factors into yours, and how to read what you’re really being offered. Save this for when you’re ready to buy.

Ever wondered what actually happens during a home appraisal? Here’s the quick version. Save this for your homebuying che...
08/17/2026

Ever wondered what actually happens during a home appraisal? Here’s the quick version. Save this for your homebuying checklist.

Fixed-rate or adjustable-rate? The right answer depends less on the market and more on your plans. Here’s the quick brea...
08/13/2026

Fixed-rate or adjustable-rate? The right answer depends less on the market and more on your plans. Here’s the quick breakdown.

Save this for when you start comparing loan options, and reach out anytime with questions.

Address

1190 Winterson Road, Suite 300 & 180
Linthicum Heights, MD
21090

Telephone

+14109849517

Website

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