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 RENEE B, Clearwater, FL
"Joann and team were very much on top of things throughout the process, They were fast and thorough and very responsive! "
Reviewed by SY Q, Largo, FL
"Joann and her team is the best choice to help you to have a dream house. They work with heart and enthusiasm. "
Reviewed by Tami G, Dunedin, FL
"I think that overall the service was good. "
Reviewed by Stephanie L, Clearwater, FL
"Joann, Michael and Brittany were all so pleasant and kept me informed of were we were in the loan process. Michael even got insurance quotes for me which saved me so much hassle and time. I was amazed by how smoothly everything went because my previous loan experience was filled with daily calls and problems getting information to the lender. It was 30 days of stress. NFM had none of that! Not one time did I feel pressure or stress and worry with getting the loan in time for closing. Amazing!"
Reviewed by SANGHEO T, CLEARWATER, FL
"Joann and her team were extremely professional, proficient, and thorough throughout this entire process. As first time buyers, we didnt know what to expect and she made our leap into homebuying so much easier and simpler. She and her team worked diligently to make each process easy for us, especially with all of that paperwork! We would recommend this group to anyone wishing to obtain a home loan or a loan for any big purchase. She was wonderful to work with. "
Reviewed by JAMES A, Clearwater, FL
"Joanne was very helpful in helping my husband and I achieve our retirement dream. She found a way to obtain the money we needed and keep our retirement fund fully intact. Joanne gave us weekly calls to keep us fully informed of our closing. Thanks Joanne for everything you've done for us."