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 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. "
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."
Reviewed by Percy L, Wendell, NC
"A good experience"
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. "
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!"
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."