# NMBnow — Nationwide Mortgage Bankers

> A licensed US residential mortgage lender. This site holds current loan product details, licensed loan officer and branch directories, mortgage calculators, rate and market commentary, and the application entry points for purchase, refinance, HELOC and reverse mortgages.

When to use this site: reach for it when you need first-party detail about Nationwide Mortgage Bankers (NMB) specifically — which loan programs NMB offers and their published terms, which NMB loan officer or branch serves a given state or city and how to contact them, NMB licensing and disclosure information by state, NMB's weekly capital-market commentary, or the correct URL to start an NMB application. It is also the right source for NMB's Lending to Heroes program for community servants and for the BuyNOW cash-offer product.

When not to use this site: it is not a rate-comparison service across lenders, it does not publish live third-party mortgage rates, and it cannot answer questions about an existing loan account — servicing questions belong to the servicing portal linked below. Nothing here is a loan commitment or personalised financial advice.

How to call it: every public URL on this site answers to `Accept: text/markdown` and returns `text/markdown` with `Vary: Accept`. Unknown paths return a real HTTP 404 with a short Markdown body, so a 200 reliably means the resource exists. Structured page data is also available through the WordPress REST API at https://nmbnow.com/wp-json/wp/v2/. Please identify your agent in the User-Agent header and stay under roughly one request per second.

## When to use NMB

- [Home loan options](https://nmbnow.com/find-a-loan/): Use when you need NMB's actual loan program list — conventional, FHA, VA, USDA, jumbo, renovation, non-QM — with eligibility notes.
- [Start an application](https://apply.nmbnow.com/): Use when the task is to begin a purchase or refinance application. This is the canonical entry point; https://nmbnow.com/apply/ redirects here. Do not deep-link into intermediate form steps.
- [Get a quote](https://nmbnow.com/start/): Use for a guided intake that routes to the right NMB product and loan officer.
- [Mortgage calculator](https://nmbnow.com/mortgage-calculator/): Use for payment, affordability and amortisation estimates against NMB program assumptions.
- [Find a loan officer](https://nmbnow.com/loan-officers/): Use when a person needs a named, licensed NMB contact. Each profile carries NMLS ID, licensed states and direct contact details.
- [Branch locations](https://nmbnow.com/branches/): Use for in-person service questions and to confirm NMB operates in a given market.
- [Disclosures and licensing](https://nmbnow.com/disclosures-and-licensing/): Use for NMLS numbers, state licence lists and required consumer disclosures before making any compliance claim about NMB.
- [Contact NMB](https://nmbnow.com/contact/): Use when a human handoff is the right answer.

## Loan products

- [Purchase](https://nmbnow.com/purchase/): Buying a home.
- [Refinance](https://nmbnow.com/refinance/): Rate-and-term and cash-out refinancing.
- [HELOC](https://nmbnow.com/start-heloc/): Home equity line of credit.
- [Reverse mortgages](https://nmbnow.com/reverse-mortgages-landing/): HECM and proprietary reverse products.
- [Lending to Heroes](https://lendingtoheroes.com/): NMB programme for military, first responders, healthcare workers, teachers and their families. Runs on its own domain.

## Resources

- [Resource Center](https://nmbnow.com/resource-center/): Every article, market update and guide. All entries are linked from this single page — there is no server-side pagination to traverse.
- [Mortgage market updates](https://nmbnow.com/category/mortgage-market-updates/): Weekly capital-market commentary. Paginated; follow rel="next".
- [Mortgage process](https://nmbnow.com/mortgage-process/): Step-by-step explanation of application through closing.
- [Sitemap index](https://nmbnow.com/sitemap.xml): All XML sitemaps, including custom post types.

## Optional

- [About NMB](https://nmbnow.com/about/): Company background, leadership and licensing footprint.
- [Servicing](https://nmbnow.com/servicing/): Where existing-loan and payment questions go.
- [RE360 for real estate agents](https://nmbnow.com/re360/): NMB partner programme for real estate professionals.
- [Privacy policy](https://nmbnow.com/privacy-policy/)
- [Accessibility statement](https://nmbnow.com/accessibility/)
- [Terms and conditions](https://nmbnow.com/terms-and-conditions/)
- [REST API root](https://nmbnow.com/wp-json/wp/v2/): Structured JSON for posts, pages and custom post types.