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 Mary D, North Chesterfield, VA
"Very smooth, easy process. Joni took the time to get to know me and what I needed to purchase a home."
Reviewed by William B, Mechanicsville, VA
"On my phone too long to type."
Reviewed by Derek F, North Chesterfield, VA
"Joni was great at explaining the entire process and guided us through all the documentation we needed to provide and sign. Our entire family greatly appreciated her prompt responses and her guidance. It seemed all relatively effortless on my end."
Reviewed by Rose O, Richmond, VA
"Joni's professional knowledge and realistic approach enabled us to work through a couple of wrinkles quickly and to my great satisfaction. The response time from Joni and her team are, in my many years of moving, unequaled."
Reviewed by Tanner R, Aylett, VA
"I had a great experience working with Joni. She kept me informed 24/7 on everything that was going on throughout the process. It really made it a painless experience."
Reviewed by Courtney S, Richmond, VA
"It was such a great experience. We always knew what was going on and they were very concise about what they needed from us so that there was no confusion. Would absolutely recommend Joni and her team to anyone looking to buy a home! "