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 JOANNE P, Palm Harbor, FL
"Very prompt & thorough in responding and facilitating my loan"
Reviewed by SARAYL L, Tarpon Springs, FL
"My experience was great. Whenever I had questions or concerns I was contacted immediately. We discussed the concern and it was resolved. I so loved that is NFM is a one stop shop. All of you're loan needs are taken care oc in one place. I was able to close on my new home sooner. Awesome teamwork!"
Reviewed by ANTHONY E, Oldsmar, FL
"Found them very easy to work with,knowledge and professional , and with a willingness to get the job done in a timely fashion."
Reviewed by MEHRA H, Palm Harbor, FL
"Great people to work with and extremely helpful and knowledgeable "
Reviewed by MICHAEL J, OCALA, FL
"Joann Rooney and her team are pleasant, knowledgeable and get things done right the first time. I have never had an unpleasant experience working with them. "
Reviewed by CHRISTOPHER M, Dunedin, FL
"We had a complicated loan application package and appreciated the excellent communication and follow-up from JoAnn and Brittany as we went through the financing process. With their good work, we were able to meet a tight deadline for closing. We appreciated JoAnn’s taking the extra step of being present for the closing itself."