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 Ashley H, Bailey, NC
"Chuck went above and beyond on helping my husband & I get this loan. We hit some hard times through the process but no matter what Chuck always had a plan and made sure we got a loan since we had already sold our home. Even though we hit some patches we weren't expecting he still made it all work out and we couldn't be more thankful! I would recommend using him to everyone. He was truly a joy to work with. Thanks for all you did for us! "
Reviewed by Catheryn E, Fuquay Varina, NC
"Friendly, easy to work with, great communication! BIG HELP!! "
Reviewed by Mauricio M, Angier, NC
"Since when I first contact CP, I had a great experience talking to him. He made everything go smooth and easy. All I had to do was send him all the info that it required and by the time closing day came everything was ready. "
Reviewed by Luis A, Wendell, NC
"Chuck Payne really had my back the WHOLE time. He really took his time to make sure I was good on everything. Helped me with any question I had and was great to talk to! Robin Lloyd also was a great person to work with. She was on top of her stuff which made things go much faster! Very glad she helped me along the way as well!"
Reviewed by Lori S, Willow Spring, NC
"NFM Lending was great to work with and Very responsive to all questions we had. Chuck delivered what he said he would do at the appropriate time for closing of loan. Would recommend them to friends and family."
Reviewed by Willie F, Zebulon, NC
"Working with NFM Lending and our loan originator was great. Everyone involved from start to finish were personable yet very professional. They were patient and they answered all questions regardless if we had asked the questions over and over just to gain more clarity. I definitely tell everyone I know who is interested in purchasing a home to contact Chuck and his team. Thank you so very much for making us feel more at ease and stress free. Willie Raines."