NFM Branch Palm Harbor, FL

33920 US Hwy 19 #150, Palm Harbor, FL 34684 | NMLS# 1308745 Apply Now Upload Docs Returning Applicant 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.



Feb 2020

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! "


Jan 2020

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. "


Jan 2020

Reviewed by Scott A, Tarpon Springs, FL

"Quick and timely communication especially with regards to any deadlines and important documents. Her assistant, Brittany, is amazing! This is a solid group of professionals who devote time and energy for their clients that exceed expectations. It was a pleasure working with them!"


Jan 2020

Reviewed by Jennifer L, Tarpon Springs, FL

"Process was smooth and this team really got the job done for us! Thanks NFM Lending. We couldn’t of done it without you!"


Dec 2019

Reviewed by Richard C, Panama City Beach, FL

"Joann, Mike, and Brittany were outstanding! A great team who were totally competent, patient, friendly, and accessible the entire time. Super A+ grade for communications by phone, text, and on line. Joann was especially helpful and understood our situation completely. A little empathy went a long way in our transaction. They made no promises that they could not keep. I would recommend them unconditionally to everyone."


Dec 2019

Reviewed by JACQULENE C, Spring Hill, FL

"My experience with JoAnn was amazing. JoAnn and her team went above and beyond. I highly recommend them."


Paint Color Quiz

Quiz: Name that Paint Color!

Have you ever wondered how paint colors get their names? When there might be more than 50 variations of a color, marketers need to get creative!

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David Arocho

NFM Lending opens new branch in Columbus, OH

LINTHICUM, MD, February 12, 2020 — NFM Lending is pleased to announce the opening of a new branch in Columbus, Ohio. The branch is located at One Easton Oval, Suite 500, Columbus, OH 43219, and will be led by Senior Vice President and Branch Manager, David Arocho. The NFM Lending branch will fo…
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NMP Top Mortgage Employer 2020

NFM Lending Named a Top Mortgage Employer 2020

LINTHICUM, MD, February 11, 2020— NFM Lending is proud to announce it was named a Top Mortgage Employer 2020 by National Mortgage Professional Magazine. This is the fifth time NFM Lending has received this honor. Each year, National Mortgage Professional Magazine surveys employees of mortgage i…
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Lock in a Mortgage Rate

Why You Should Lock in a Mortgage Rate

Note: This blog was originally published in August 2013 and has been updated. Though there are several factors that impact how much you’ll pay for your mortgage, one of the most important is your mortgage interest rate. When you’re preparing to purchase a home, the interest rate you are quote…
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Contact Me

NFM Branch FL306



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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.

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