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 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."
Reviewed by RAYMOND G, Brooksville, FL
"Quick, painless and efficient."
Reviewed by DONNA A, Treasure Island, FL
"Joann Rooney and her team make the mortgage and refi process a breeze. She finds the best rates, and everything is handled smoothly and professionally. She even had the closing agent come to us for the final signing! Trusted, and a pleasure, I give them the highest recommendation possible. "
Reviewed by CHRISTINE S, Crystal Beach, FL
"I cannot say enough wonderful things about JoAnn, Brittany and their team. The level of professionalism far exceeded my expectations. They worked efficiently, communicated openly throughout the lending process, and made, what often times is stressful, a smooth and flawless lending journey. If you are in need of a mortgage lender, look no further!! I guarantee you will be happy and satisfied with JoAnn Rooney and her team."
Reviewed by DONNA L, Safety Harbor, FL
"JoAnn and her team are over the top in customer service! All through the loan process the communication was constant and timely. Brittany was fantastic and very helpful! As a Realtor, I hear stories about the mortgage process being difficult and stressful but I assure you that working with JoAnn and her team at NFM Lending the mortgage process is nothing but smooth and stress free! I highly recommend JoAnn Rooney!"
Reviewed by BERNARD J, Palm Harbor, FL
"The whole staff gave excellent service. "