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 John J, St Petersburg, FL
"Steve was very meticulous and patient explaining everything I needed to understand. Being a first time buyer I had a lot of questions. Steve went so much to take the extra time to explain what should be done AFTER the purchase of my new home which I greatly appreciated. He insisted that I call him anytime if I should have any issues or questions."
Reviewed by Eppie L
"Thank you for getting us from start to finish on our new home! "
Reviewed by Paul J, Seminole, FL
"Overall very satisfied with whole experience. Only let down was finding out day before closing we would not receive what we had originally discussed on cash out, but other than they was great working with you again. "
Reviewed by Maria T, St Petersburg, FL
"Very professional and knowledgeable. "
Reviewed by Anthony W, Oldsmar, FL
"Courtesy. Respect. Transparency. Efficiency. I don't know what more they could have done to make the experience as close to stress-free as possible."
Reviewed by Layne A, Clearwater, FL
"Both Steve and Amanda were extremely helpful to us. Any questions we had were answered quickly and fully (even when Amanda had day surgery!) The quickness of the whole process amazed both of us, even with the 'stress' of gathering all necessary information. Their patience was amazing and obviously comes with massive amounts of experience. We thank the whole NFM Team."