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 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. "
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!"
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!"
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."
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."
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.