NFM Branch Garner, NC

883 Highway 70W, Garner, NC 27529 | NMLS# 1182201 Apply Now 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.



Jan 2019

Reviewed by Kevin M, Raleigh, NC

"Chuck was very helpful with our refinancing and explained it in detail to the final closing. Everyone was friendly and efficient. I would recommend chuck to family and friend. "


Jan 2019

Reviewed by William S, Middlesex, NC

"He has been great and helped us every way possible. The even contacted me during business hours to discuss my loan. He was very factual and his information and even when the rates went down he locked me into a lower rate. I would highly recommend Chuck Payne to anybody in the Raleigh NC area looking to buy or refinance."


Jan 2019

Reviewed by Percy L, Wendell, NC

"A good experience"


Jan 2019

Reviewed by Brenda A, Wendell, NC

"It was an overall wonderful experience. He answered any of my questions and was very knowledgeable. When talking with Chuck, he made me feel at ease and very comfortable with the whole process. I would highly recommend your company and Chuck to anyone. Thank you for such a GREAT experience. Robin was wonderful as well. They both responded to emails very quickly and kept me in the loop with everything. "


Dec 2018

Reviewed by Shoshana M, Garner, NC

"Buying a new home right before the holidays is more stressful than exciting in many ways, but Chuck and the staff at NFM did an amazing job communicating with me and making the process as smooth and painless as possible. Chuck knows the process inside and out and was able to help me get exactly what I needed. The entire staff was friendly and knowledgeable, and it was a pleasure working with them from start to finish. I highly recommend Chuck and NFM to anyone looking for a mortgage lender!"


Dec 2018

Reviewed by Bernita M, Garner, NC

"Chuck was very knowledgeable about the process and very responsive to all my questions. He worked quickly to keep the process on schedule. I don't think I could have received better service. Thanks to the entire team."


Top Mortgage Employer 2019

NFM Lending Named a Top Mortgage Employer

LINTHICUM, MD, February 15, 2019— NFM Lending is proud to announce that it was named a Top Mortgage Industry Employer by National Mortgage Professional Magazine. This is the fourth time NFM Lending has received this honor. Each year, National Mortgage Professional Magazine distributes a survey …
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Nicolas Alvarez

NFM Lending salutes Nicolas Alvarez

LINTHICUM, MD, February 6, 2019— NFM Lending is pleased to honor Private Nicolas Alvarez as the NFM Salute for February 2019. Upon graduation from high school, Pvt. Alvarez enlisted in the United States Marine Corps. He recently graduated from boot camp at the Marine Corps Recruit Depot at Parr…
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Purchase a Home

6 Steps to Purchase a New Home

Buying a home is one of the most significant financial decisions you will make in your life. In order to make an informed decision, doing some research for each step of the process can help ensure a smooth transaction. Here are the 6 basic steps needed to purchase a home. Step 1: Get Pre-Qualifie…
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Selling Home During Winter

Why Winter is a Good Time to Sell Your Home

If you’re ready to sell your home, you don’t need to wait until the spring just because that’s the more popular time. There are plenty of benefits to selling in the off season, even a few that can be monetary. Here are our top 5 reasons for why winter is a good time to sell your home. Low I…
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Contact Me

NFM Branch NC308





883 Highway 70W, Garner, NC 27529

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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