NFM Branch Palm Harbor, FL

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



Aug 2019

Reviewed by JOHN T, Dunedin, FL

"Professional, efficient and friendly "


Aug 2019

Reviewed by James S, Palm Harbor, FL

"Worked well from the first day, kept all promises and commitments, and made it happen on time!"


Aug 2019

Reviewed by Alexis J, Clearwater, FL

"Joann was very helpful in helping to make it possible for us to purchase our dream home! ♥️ "


Aug 2019

Reviewed by Kristin S, Tarpon Springs, FL

"This was our first home buying experience and we were a little intimidated by the initial process. Working with Joann made everything extremely easy. She was always available and took the extra time to walk us through every detail so that we were comfortable and knowledgeable. We felt that she had our best interest in mind 100% of the time. It was a pleasure to work with her and the team! "


Jul 2019

Reviewed by STEPHANOS T, Oldsmar, FL

"The entire team has been exceptionally helpful in guiding me through this process. This is my first homebuying experience and Joanne along with her team were supportive and knowledgeable. "


Jul 2019

Reviewed by Virginia M, Odessa, FL

"Joann called and updated me continually. She problem solved and assisted in getting us the best rate possible. She went out of her way on a daily basis to make sure we had the best financing possible. She and her team were there to assist with all of our needs. Joann was there at closing! I will definitely recommend her and her team! Fantastic customer service, outstanding personal and professional service!"


spanish loan application

NFM Lending now offers Online Loan Application in Spanish

NFM Lending is proud to announce that as a part of our effort to better serve the Hispanic community, our online loan application is now offered in Spanish. All Mortgage Loan Originators websites now feature the option to complete the loan application in English or Spanish. Simply click on the Ap…
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What is Earnest Money

What is Earnest Money?

If you’re ready to buy a home, you should prepare to have an earnest money deposit. This can be an extremely important part of the homebuying process as it essentially lets a home seller know how serious you are as a buyer. So, what is earnest money? An earnest money deposit, otherwise known as…
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Reno Truant

NFM Lending salutes Reno Truant

LINTHICUM, MD, August 1, 2019— NFM Lending is pleased to honor Reno Truant as the NFM Salute for August 2019. Reno attended the Henry Ford Trade School in Dearborn, Michigan from 1939 to 1942. At the age of 17, he felt a calling to serve his country and asked his parents to sign a release to al…
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Christian Mourra

NFM Lending opens new branch in Sunrise, FL

LINTHICUM, MD, July 29, 2019 — NFM Lending is pleased to announce the opening of a new branch in North Miami, Florida. The branch is located at 999 NE 125th Street, North Miami, FL 33161, and will be led by Branch Manager, Christian Mourra. The NFM Lending branch will focus its lending platform…
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NFM Branch FL306



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33920 US Hwy 19 #150, Palm Harbor, FL 34684

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