NFM Branch Palm Harbor, FL

3003 Alternate 19, Suite B Palm Harbor, FL 34683 | NMLS# 1308745 Apply Now 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 2018

Reviewed by STEPHEN C, Palm Harbor, FL

"I really liked how I would get email updates as soon as a step in the process was completed. JoAnn was also always available via phone if I needed to discuss something or have something explained. "


Jul 2018

Reviewed by WILLIAM A, Tierra Verde, FL

"We had a great experience with JoAnn. Everything went better than planned! "


Jun 2018

Reviewed by RUTH ANN S, Tierra Verde, FL

"Great team and customer service!"


Jun 2018

Reviewed by JAMES P S, Tierra Verde, FL

"I wouldn't work with anyone else!"


Jun 2018

Reviewed by KYLE P, Safety Harbor, FL

"I loved working with the entire team. They handled my file quick, proficient, and with care. I would recommend them to anyone."


Jun 2018

Reviewed by PATRICIA E M, Palm Harbor, FL

"outstanding job on putting our loan thru. accomplished what I thought would be impossible. Great job gang. "


What is a G-Fee?

What is a G-Fee and what does it have to do with my interest rate?

As you move through the homebuying process and have to choose a mortgage, each option will present an interest rate. This rate determines how much you must repay the lender as a part of your monthly mortgage payment. While you might be familiar with interest rates, there is probably a component o…
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Catherine L. Clapp

NFM Lending salutes Catherine L. Clapp, USN, Retired

LINTHICUM, MD, July 2, 2018— NFM Lending is pleased to honor Personnelman First Class Catherine L. Clapp, USN, Retired, as the NFM Salute for July 2018. Following family tradition and looking to gain work experience, PN1 Clapp joined the Navy right out of high school, serving from 1979 to 1999.…
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Top Workplace Washington 2018

NFM Lending Named a Top Workplace in the Washington, D.C. Area for 2018

LINTHICUM, MD, June 22, 2018 — NFM Lending is pleased to announce that it has been ranked a 2018 Top Workplace in the Washington, D.C. area by the Washington Post. This is the fourth consecutive year that NFM Lending has received this award.  NFM Lending received the award at a ceremony held T…
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8 Steps to a 203k Rehab Loan

When house-hunting for your new home, you might discover one that would be perfect for you but needs a bit of TLC. Don’t worry! An FHA 203k rehab loan is there to make your dreams of homeownership come true. This loan allows you to borrow both what you need to purchase the home and what you…
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Contact Me

NFM Branch FL306



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3003 Alternate 19, Suite B Palm Harbor, FL 34683

Ready to get started or have any loan questions? Contact me at or or submit the form below and I will call you.

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