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

Will checking my credit hurt my score? Great question. There’s a big difference between a hard and a soft credit pull, a...
09/24/2026

Will checking my credit hurt my score? Great question.

There’s a big difference between a hard and a soft credit pull, and every buyer should know which is which before starting the homebuying process.

Rates change. Life changes. Your mortgage should be able to keep up. If it’s been a while since you last looked at your ...
09/22/2026

Rates change. Life changes. Your mortgage should be able to keep up.

If it’s been a while since you last looked at your loan, now might be a good time. Swipe through for 5 signs refinancing could be worth explaining.

The homebuying process starts long before you ever make an offer. The buyers who feel most in control didn’t start with ...
09/18/2026

The homebuying process starts long before you ever make an offer.

The buyers who feel most in control didn’t start with a showing. They started with a plan. Swipe to see what to do before you start shopping.

5.0 star review received on Experience.com for Heidi Gage by Kara S J - Would reccomend this team!
09/17/2026

5.0 star review received on Experience.com for Heidi Gage by Kara S J - Would reccomend this team!

Click to see all 226 reviews of Heidi Gage at NFM Lending, Renovation Loan Manager/Loan Originator | NMLS # 213769

5.0 star review received on Experience.com for Heidi Gage by Joseph C - Timely communication and prompt actions.
09/17/2026

5.0 star review received on Experience.com for Heidi Gage by Joseph C - Timely communication and prompt actions.

Click to see all 226 reviews of Heidi Gage at NFM Lending, Renovation Loan Manager/Loan Originator | NMLS # 213769

One late payment. One new credit card. One big purchase. Any of these could delay your closing if the timing is wrong. S...
09/16/2026

One late payment. One new credit card. One big purchase.

Any of these could delay your closing if the timing is wrong. Swipe to see the mistakes that trip up buyers most and what to do instead.

Student loans and a mortgage? Yes, it’s possible. Having student debt does not automatically disqualify you from buying ...
09/14/2026

Student loans and a mortgage? Yes, it’s possible.

Having student debt does not automatically disqualify you from buying a home. What matters is how your loans are counted and which loan program is right for your situation. Swipe to learn more.

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.

Address

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

Telephone

+14109849517

Website

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