NFM Branch Palm Harbor, FL

3003 Alternate 19, Suite B Palm Harbor, FL 34683 | NMLS# 1308745 Apply Now Returning Applicant Contact

About Us

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!

Loan Tools

Here are some useful links to get you started in the loan process.



Feb 2019

Reviewed by JOSEPH S, Deltona, FL

"JoAnn and Brittany were amazing. They were on top of everything throughout the entire process. I can’t stress enough how highly I’d recommend JoAnn!"


Feb 2019

Reviewed by DEBRA A, Tampa, FL

"I am very pleased with the loan process. From start to finish, the process took less than 3 weeks and I experienced no hiccups due to open & constant communication. Further, the file was funded a day ahead of time which resulted in a very smooth closing. I have never had such a stellar experience with a lender! I highly recommend Joann. She and her team are top-notch!"


Jan 2019

Reviewed by RENIEL M, Spring Hill, FL

"I worked with Joann Rooney, Brittany Millard, and Michael Rooney. Brittany and Michael were extremely professional and were able to outline everything I needed to provide and provided regular updates during the course of the loan process. Joann was outstanding as well and while my main contact was Brittany Joann reached out several times to provide me updates and to check on my house-hunting progress."


Jan 2019

Reviewed by ROBERT M, Belleair, FL

"I have purchased 11 homes through the year. This was the smoothest transaction ever. My wife even commented, “that was fast “. JoAnn and her professor Brittany are living testimonials of what NFM Lending wants to be. The communication and work through the process was flawless. We are grateful for JoAnn and Brittany and many referrals to come!"


Dec 2018

Reviewed by TRACY S, DUNEDIN, FL

" Joanne and Britney were very patient walking me through each step with detailed information. Making me comfortable with an uncomfortable process. "


Dec 2018

Reviewed by COURTNEY E, Dunedin, FL

"Very patient and explains everything. Has the best interest of the client in mind. Very helpful and would use them again or recommend to anyone."


Top Mortgage Employer 2019

NFM Lending Named a Top Mortgage Employer

LINTHICUM, MD, February 15, 2019— NFM Lending is proud to announce that it was named a Top Mortgage Industry Employer by National Mortgage Professional Magazine. This is the fourth time NFM Lending has received this honor. Each year, National Mortgage Professional Magazine distributes a survey …
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Nicolas Alvarez

NFM Lending salutes Nicolas Alvarez

LINTHICUM, MD, February 6, 2019— NFM Lending is pleased to honor Private Nicolas Alvarez as the NFM Salute for February 2019. Upon graduation from high school, Pvt. Alvarez enlisted in the United States Marine Corps. He recently graduated from boot camp at the Marine Corps Recruit Depot at Parr…
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Purchase a Home

6 Steps to Purchase a New Home

Buying a home is one of the most significant financial decisions you will make in your life. In order to make an informed decision, doing some research for each step of the process can help ensure a smooth transaction. Here are the 6 basic steps needed to purchase a home. Step 1: Get Pre-Qualifie…
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Selling Home During Winter

Why Winter is a Good Time to Sell Your Home

If you’re ready to sell your home, you don’t need to wait until the spring just because that’s the more popular time. There are plenty of benefits to selling in the off season, even a few that can be monetary. Here are our top 5 reasons for why winter is a good time to sell your home. Low I…
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Contact Me

NFM Branch FL306



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3003 Alternate 19, Suite B Palm Harbor, FL 34683

Ready to get started or have any loan questions? Contact me at or or submit the form below and I will call you.

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