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 AYLIN M, Kearny, NJ
"Carlos was very responsive and professional throughout the entire process. "
Reviewed by Heizel C
"Carlos Serrano is Amazing! He was recommended by a realtor since I needed someone who could do a FHA Mortgage loan! He took the time to answer any questions, patiently walking me through the process over and over again, Carlos replied to my calls, text and emails at any time. He is a mortgage genius, prompt, personable, and I couldn't have done this without him. I closed with no problems, What a professional and efficiently lender broker. Carlos is definitely one of the best. Thanks Carlos, f"
Reviewed by MARILIN A, New Brunswick, NJ
"You guys are excellent!! "
Reviewed by Andrea R, Hamilton Township, NJ
"Honestly Carlos is so involved I felt like he truly wanted to help. Any and all questions had appropriate answers. No funny business. Now i have a great new home."
Reviewed by Wilmer F, Lodi, NJ
"Very professional to do business "
Reviewed by ONEY E, Lawrenceville, NJ
"He is a really professional man, I highly recommend him, he help me step by step through the closing in my first home, finally we Did it! Thanks Carlos it was a pleasure to have you during the process ,hopefully I can count on you for our next purchase, Thanks again sincerely Family:Cuevas Garcia "