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 Tyler J, Palm Harbor, FL
"Joanne and her team helped guide me through the home buying / mortgage process almost effortlessly. I have never felt so comfortable as I did with Joanne and her team. They were honest, knowledgeable, friendly , respectful, and efficient. They answered all of my questions and called to inform and update me on the process in a timely and courteous manner. Couldn’t be more pleased and fortunate with my experience !"
Reviewed by Daniel W, St Petersburg, FL
"Every employee was extremely responsive and friendly throughout the whole process. Any time there was a problem that came up or there was an issue out of the ordinary the whole team was on top of it and fixed it ASAP. Entire team has a pleasant and had upbeat attitude and treated us with a genuine, caring attitude."
Reviewed by Roberto A, Hudson, FL
"It was great working with them polite and got my closing done in less than a month "
Reviewed by Kenneth B, Fort Myers, FL
"JoAnn and Brittany were the best, couldn't have asked for anyone better! JoAnn was always available via phone anytime we needed her. We would highly recommend NFM Lending to anyone and will use them again."
Reviewed by Stephen D, Palm Harbor, FL
"Joann Rooney was able to do the impossible. She is an expert with FHA loans. Joann and her staff are the best. They were able to get our loan approved quickly when another company said it couldn't be done. They are outstanding! "
Reviewed by Robert B, Palm Harbor, FL
"Joann and her team kept us up to date every step of the way. They went above and beyond to make sure all the information was gathered in a timely fashion. "
NFM Branch FL306
33920 US Hwy 19 #150, Palm Harbor, FL 34684
Ready to get started or have any loan questions? Contact me at or or submit the form below and I will call you.