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 Edward H, Maryville, TN
"Barbara Layden was great and helped us out tremendously! Answered all of our questions and did everything she could to make sure we had a smooth experience. We will definitely recommend her to all of our friends!"
Reviewed by Cody S. W, Nashville, TN
"NFM's staff was top-notch throughout the loan origination process, helping me navigate a completely foreign process with steady assistance and immediate feedback when needed. Every resource I worked with was friendly, professional, and committed to my success."
Reviewed by Jacob K, Gallatin, TN
"We loved working with Scott throughout the loan process. He helped us understand how everything worked and we felt confident relying on his knowledge and experience."
Reviewed by Veronica L H, Nashville, TN
"NFM was there every step of the way during my loan process. I would recommend the Layden team to everyone, especially first time home buyers like myself!"
Reviewed by James Robert M, Joelton, TN
"The Scott’s NFM team made the mortgage process so easy amd painless. Barbara went out of her way to quickly forge sticking points that woukd of taken us weeks to straighten out on our own. They do most of the heavy work up front, that way from there it gets easier and easier as the process goes on. In practical terms: Scott, Barb and the team had us clear to close 2-1/2 weeks before our closing date! Unheard of in our books! Not to mention saved us almost $70/month on our mortgage!"
Reviewed by Linda C, Franklin, TN
"I had a wonderful experiece, every question and need was meet with professionalism and kindness.Thank you for everything!"