Welcome to NFM Lending, America’s Common Sense Lender. We serve the local community, as well as communities across the nation, by providing flexible mortgage solutions for prospective and current homeowners. Our broad range of loan products ensures that there’s something to offer everyone. I encourage you to browse my page and take note of the useful information and helpful tools. Should you have any questions, don’t hesitate to contact me. I look forward to working with you!
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
Found a good home at a great price that just needs a little work? Own a home that could use some upgrades? The 203(k) loan may be the program for you.
Applying for a loan? You may be asked to provide some of the documents on this list during the loan application. Get these items in asap to help speed up your loan process.
Confused with the complicated mortgage lingo? Here is a list of commonly used terms that may help you understand better as you speak with realtors and loan officers.
Ready to Refinance
Are you read to /and/or can you refinance your home? Before you begin the process, you should evaluate your options and personal finances. This guide will help.
Home Buyer's Checklist
When house hunting, it is easy to forget or confuse the different features of the many houses you will see. Here is a checklist to assist in finding the perfect home for you.
Here are some helpful hints and a detailed timeline to prepare your family for one of the most exciting times of your life - moving day.
Saving to Buy a Home
Saving for a home is a tremendous task that requires dedication and thought. Here are some helpful hints and tips on how to save for your down payment.
Reviewed by Mark F, Jacksonville, FL
"Kept me up to speed through the whole process and everything went smoothly"
Reviewed by Amanda Nicole S, Jacksonville, FL
"Elysia was very efficient and professional, but she also took the time to explain everything that I needed done. Whether you are a first time home buyer, like me, or just someone who wants to be in their new home quickly I would recommend using Elysia Stobbe!"
Reviewed by Milo J K, Saint Johns, FL
"Elysia Stobbe and JoAnn Stewart are true professionals! They are extremely detail oriented and worked with me through every step of the way. My closing was extremely easy and fast. This by far is the best house purchase experience I have ever had. I will definitely work with them for any future mortgage needs."
Reviewed by Barry S
"It was the easiest time I have had acquiring a home loan. I've done several in the past and this was the most efficient well organized application process."
Reviewed by Shawnetta Lilian M, Jacksonville, FL
"Elysia is a very thorough person. Between her and Joann, this process was made easy. I appreciate them being available when I had a question whether it was the weekday or weekend. I also appreciate their patience. This is my first time buying a house and I really didn't understand the process. With their guidance each step was simplified being mostly all paperwork was electronic and simple. I would recommend NFM Lending to my family and friends."
Reviewed by Jesse V, Orange Park, FL
"Since this was our first home buying experience, we were super nervous and unfamiliar with the process. Elysia and her team educated us and took a lot of the stress away by providing constant communication and guidance, from everything to the realtor, insurance, VA and more. My wife and I are extremely happy with how everything worked out."