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 JOHN T, Dunedin, FL
"Professional, efficient and friendly "
Reviewed by James S, Palm Harbor, FL
"Worked well from the first day, kept all promises and commitments, and made it happen on time!"
Reviewed by Alexis J, Clearwater, FL
"Joann was very helpful in helping to make it possible for us to purchase our dream home! ♥️ "
Reviewed by Kristin S, Tarpon Springs, FL
"This was our first home buying experience and we were a little intimidated by the initial process. Working with Joann made everything extremely easy. She was always available and took the extra time to walk us through every detail so that we were comfortable and knowledgeable. We felt that she had our best interest in mind 100% of the time. It was a pleasure to work with her and the team! "
Reviewed by STEPHANOS T, Oldsmar, FL
"The entire team has been exceptionally helpful in guiding me through this process. This is my first homebuying experience and Joanne along with her team were supportive and knowledgeable. "
Reviewed by Virginia M, Odessa, FL
"Joann called and updated me continually. She problem solved and assisted in getting us the best rate possible. She went out of her way on a daily basis to make sure we had the best financing possible. She and her team were there to assist with all of our needs. Joann was there at closing! I will definitely recommend her and her team! Fantastic customer service, outstanding personal and professional service!"