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.



Oct 2019


"This was our third mortgage with NFM/JoAnn Rooney and her team. Brittany makes the process less stressful with daily communication, prompt attention to any questions or concerns, education on each step and organization of all the details. JoAnn and Brittany are a strong team who work flawlessly from data collection to closing. The only mortgage/refinance team we will use. "


Sep 2019

Reviewed by SCOT A, DUNEDIN, FL

"Joann and her team are awesome!"


Sep 2019

Reviewed by Jeffery A, Oldsmar, FL

"Joann and brittany did a superb job of moving our loan application through the loan process as smoothly and painlessly as one can make it. It was a pleasure to work with NFM Lending."


Sep 2019

Reviewed by Stephanie L, Oldsmar, FL

"Joann was thorough and very pleasant throughout our entire experience with NFM Lending. She answered all of our questions and we'd definitely use her again."


Jul 2019

Reviewed by JACOB H

"NFM Lending was proficient, timely, and communicative. Excellent service from start to finish."


Aug 2019

Reviewed by JOHN T, Dunedin, FL

"Professional, efficient and friendly "



NFM Lending Sponsors 15th Annual BARCStoberfest

LINTHICUM, MD, October , 2019— NFM Lending is proud to be a Sponsor for the 15th annual BARCStoberfest 5k and 1-mile run/walk and festival on October 26, 2019. This event will benefit the Baltimore Animal Rescue and Care Shelter (BARCS). This will be NFM Lending’s first year sponsoring the …
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How Mortgage Calculators Work

How Do Mortgage Calculators Work?

Note: This blog was originally published in February 2013 and has been updated. Mortgage calculators are important tools for both homebuyers and homeowners. These calculators can help estimate your monthly mortgage payments as well as how much you can afford when purchasing a home. There are vari…
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Christine Ege

NFM Lending salutes Christine Ege

LINTHICUM, MD, October 1, 2019— NFM Lending is pleased to honor Colonel Christine Ege as the NFM Salute for October 2019. COL Ege is serving in the US Army as a veterinarian and is currently in her 21st year of continuous active duty service. She passionately supports the Department of Defense …
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Mortgage Rate

How Your Credit Score Affects Your Mortgage Rate

When applying for a loan, one of the most important factors that will come into play is your credit score. Before you start the loan application process, you should have a clear understanding of how your credit score affects your mortgage rate so you can assess your financial situation. Most lend…
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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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