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 Brenda F, Palm Harbor, FL
"I had an excellent experience with Joann. She really knows the industry and held our hands all along the way. "
Reviewed by SHANNON L, Palm Harbor, FL
"Great service "
Reviewed by Michael L, NEW PORT RICHEY, FL
"JoAnn, Brittany and Mike were incredible to work with. From the first time I spoke to JoAnn on the phone I knew I was in great hands. She was able to get us to the closing table in 30 days all while keeping me incredibly informed every step of the way. She played a big part in helping me purchase my dream home and I will forever recommend her to anyone I know who is purchasing a home. "
Reviewed by Mandy J, Tarpon Springs, FL
"My experience was AMAZING. From the very initial steps all the way to the end went incredibly smoothly. I was constantly informed of what stage I was at. Very pleasant people to work with, even comical at times, which is helpful during the process. They insurance agent that was recommended to me was superb. My realtor, Karen Geier, really goes out of her way to get you the information. That you need and VERY fast. Joann Rooney and her entire team work together so well and are very informative."
Reviewed by Robert P
"I refer buyers (including myself) to Joann, but I have never had the chance to see how she & her team work the process from the other side. They represented a buyer that was in contract with my sellers. Needless to say, I was draw dropped blown away at the consistent & predictive communication in every phase of the loan process. I was able to keep my seller informed at a high level, and deliver a clear to close a week early. We closed on time with zero problems or delay. There is no one better!"
Reviewed by Carolyn L, Palm Harbor, FL
"Thorough and thoughtful"
NFM Branch FL306
33920 US Hwy 19 #150, Palm Harbor, FL 34684
Ready to get started or have any loan questions? Contact me at 727-938-9007 or Jrooney@nfmlending.com or submit the form below and I will call you.