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 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!"
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!"
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."
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!"
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. "
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."