Mary-Margaret Wells

Grow Forward.

Confidently.

With Mary Margaret

Local. Experienced.

Recommended.

Read Our Reviews

A Better Way To

To Buy A Home

With The Cowart Team.

1127 West Main Street
Richmond, VA 23220

O : 804-399-2332

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MARY-MARGARET

Mortgage Consultant | NMLS# 1928522

I grew up in a military family, so I learned early how to stay grounded—even when life keeps moving. I moved to Richmond in 2014 to attend VCU—and I fell in love with the energy of this city, and around that same time, with my husband, Logan.

I originally joined the Cowart Team on the marketing side, but I quickly realized I was more curious about the homebuying process itself—specifically, helping people build smart mortgage plans. That curiosity grew into passion, and you’ll feel that passion if you work with me through the homebuying process.

Since then, I’ve had the privilege of helping thousands of families navigate this journey—and what I’ve learned is that buying a home is rarely just about real estate. It’s often about life transitions. Growth. Heartache. Hope. Whether you’re starting a family, buying on your own, or navigating something hard, I meet you where you are and walk alongside you with clarity, care, and confidence. I’m big on education, transparency, and creating emotional safety so you can make confident decisions.

Now a mom to twin daughters, I feel even more deeply the importance of helping families build strong financial foundations by investing in themselves through homeownership. When I’m not deep in the world of mortgages, you’ll find me with Logan, taking pictures of my girls (both human and fur!), singing around the house or exploring our city.

Enneagram

Years in Real Estate & Mortgage

Families Helped Each Year

Fabulousness

What Our Clients Say

“Matt and Mary-Margaret were wonderful with us. They were super communicative, patient, and knowledgeable. We really appreciate them and highly recommend them to our friends!”

Jeff and Kayla E.
Richmond, VA
“Matt and Mary-Margaret made the refinancing process a breeze! They walked us through every step of the process, and were professional and friendly. We will definitely be using The Cowart Team for any future mortgage needs.”

Leslie U.
Richmond, VA
“Very helpful, they were there when we had questions. Reached out often to check in and when it was time to put in an offer they gave a great explanation, the closing numbers were very close to the actual closing numbers. Made us feel confident in the offer and position we were putting ourselves in, They never pressured or rushed us. Matt was great to work with and would work with him again.”

Marcus F.
Midlothian, VA
“Matt was ready and willing to help us every step of the way and answer questions any time we had them. The experience was made easier by Matt and the team!”

Brandon R.
Waynesboro, VA
“Mary-Margaret was fantastic! She made the whole mortgage process easy, a very pleasant lady to work with. She patiently answered all our questions, took the time to explain everything we needed to know, never leaving us confused, NFM Lending was a fantastic mortgage company to work with, everyone was on top of everything and made sure we closed on our expected closing date, I have to say, due to Mary-Maragret Wells, I would definitely recommend NFM Lending to everyone!”

Deborah B.
1 year ago
“We had a lot of hurdles to jump through being self-employed and it was not an easy feat, but Mary Margaret was patient and thorough and everything went as smoothly as it could go. We couldn’t have done this without her, she made the stressful experience bearable and we can’t thank her enough!”

Laura E.
North Chesterfield, VA
“Matt, Mary-Margaret, and the rest of their team were a perfect fit from the start. They were incredibly informative, tailored their communication to our unique situation, and were incredibly thorough. Through our lending process we always felt like they were there to answer questions, discuss scenarios, and made sure that both my husband and I were in the loop at every step. We are very grateful to have worked with NFM for our home buying process.”

Kelsey E.
Henrico, VA