NFM Branch Palm Harbor, FL

33920 US Hwy 19 #150, Palm Harbor, FL 34684 | NMLS# 1308745 Apply Now Upload Docs 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.



Jul 2020

Reviewed by Brenda F, Palm Harbor, FL

"I had an excellent experience with Joann. She really knows the industry and held our hands all along the way. "


Jul 2020

Reviewed by SHANNON L, Palm Harbor, FL

"Great service "


Jul 2020

Reviewed by Michael L, NEW PORT RICHEY, FL

"JoAnn, Brittany and Mike were incredible to work with. From the first time I spoke to JoAnn on the phone I knew I was in great hands. She was able to get us to the closing table in 30 days all while keeping me incredibly informed every step of the way. She played a big part in helping me purchase my dream home and I will forever recommend her to anyone I know who is purchasing a home. "


Jul 2020

Reviewed by Mandy J, Tarpon Springs, FL

"My experience was AMAZING. From the very initial steps all the way to the end went incredibly smoothly. I was constantly informed of what stage I was at. Very pleasant people to work with, even comical at times, which is helpful during the process. They insurance agent that was recommended to me was superb. My realtor, Karen Geier, really goes out of her way to get you the information. That you need and VERY fast. Joann Rooney and her entire team work together so well and are very informative."


Jul 2020

Reviewed by Robert P

"I refer buyers (including myself) to Joann, but I have never had the chance to see how she & her team work the process from the other side. They represented a buyer that was in contract with my sellers. Needless to say, I was draw dropped blown away at the consistent & predictive communication in every phase of the loan process. I was able to keep my seller informed at a high level, and deliver a clear to close a week early. We closed on time with zero problems or delay. There is no one better!"


Jul 2020

Reviewed by Carolyn L, Palm Harbor, FL

"Thorough and thoughtful"


St. Jude

NFM Lending Partners with PGA Golfer Tom Lewis for “Chipping Away at Childhood Cancer” to Benefit St. Jude

NFM Lending announced today they will make a $60,000 donation to St. Jude Children’s Research Hospital as part of its new “Chipping Away at Childhood Cancer” program, an initiative with PGA Golfer Tom Lewis. NFM, who is a corporate sponsor of Lewis, committed $2,500 to St. Jude for every bi…
Read more

Kevin Sellers

NFM Lending salutes Colonel Kevin Sellers

LINTHICUM, MD, August 3, 2020— NFM Lending is pleased to honor Colonel Kevin Sellers, USAF, Retired, as the NFM Salute for August 2020. COL Sellers served in the Air Force from 1995 to 2020. His distinguished military career began after he graduated from the United States Air Force Academy and …
Read more

How to Organize Your Home

Life can be hectic, which in turn can make your life stressful. You may not be able to control every facet of your life, but you can take control your home’s organization. In honor of National Simplify Your Life Week, here are helpful tips and tricks for how to organize your home.   Before…
Read more

Summer Staging Tips

Summer is oftentimes a buyer’s market, which means you have to be competitive if you’re trying to sell your home. With the limited interactions buyers can have with your home, you should treat every picture or video taken of your house as a photo op. Staging has become more important than eve…
Read more

Contact Me

NFM Branch FL306



Toll Free:


33920 US Hwy 19 #150, Palm Harbor, FL 34684

Ready to get started or have any loan questions? Contact me at 727-938-9007 or Jrooney@nfmlending.com or submit the form below and I will call you.

Contact Me

  • This field is for validation purposes and should be left unchanged.