NFM Branch Lynnwood, WA

3400 188th St. SW, Suite 400 Lynnwood, WA 98037 (Branch Manager: Jeff Miltenberger) | NMLS# 1959676 Apply Now Upload Docs Returning Applicant 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.



May 2020

Reviewed by Jessica Q, Lynnwood, WA

"NFM Lending made my first home purchase a smooth process. I was pleased with the level of communication from the team and I highly recommend them!"


May 2020

Reviewed by Donna M, Lynnwood, WA

"As I mentioned before, Jeff helped me get my first mortgage through Guild Mortgage. When I wanted to refinance it was a no brainer that I'd go back to Jeff. He's knowledgeable and no-nonsense and gets the job done. I'd recommend him in a heartbeat."


May 2020

Reviewed by Ronda B, Granite Falls, WA

"NFM Lending offered the best loan to meet my needs. Everyone on the team was extremely knowledable and very helpful. I am pleased with the frequent and thorough communication at every step. They put me at ease and made me comfortable throughout the entire process. Thank you!"


May 2020

Reviewed by Kerrie L, Renton, WA

"The team at NFM Lending was amazing! From start to finish they were always available to answer any of our questions and had an upbeat and positive attitude! We are sticklers for good customer service and Jeff and his team went above and beyond! They genuinely cared about our experience and that was refreshing! We highly recommend NFM Lending!"


May 2020

Reviewed by Courtney N, Covington, WA

"The entire team at NFM was amazing. Communicated thoroughly along the process, responded to my questions quickly and helped me work through a potential road block with the title company. I will refer Jeff to anyone I know looking to buy or refinance! "


Apr 2020

Reviewed by Bradley E, Lake Stevens, WA

"Jeff was great, making sure all the details were correct, and that our loan went through on time!!!"


Stride and Thrive 2020

NFM Lending Sponsors Stride and Thrive 2020

LINTHICUM, MD, May 8, 2020— NFM Lending is proud to be the returning Presenting Sponsor for the fifth annual Below the Belt – Stride and Thrive 5k and 1-mile run/walk on June 7, 2020. This virtual event will benefit the Kelly Gynecologic Oncology Service (KGOS) in the Johns Hopkins Depar…
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Top Women Originators 2019

NFM Lending Loan Originators named Scotsman Guide Top Women Originators 2019

LINTHICUM, MD, May 2, 2020 — NFM Lending and its family of companies, including Main Street Home Loans, is proud to announce three of its loan originators, Jane Floyd, Jessica Uphoff, and Karen Dulmage, have been ranked on the Scotsman Guide Top Women Originators 2019 list. This is the second y…
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Bill Kelly

NFM Lending Salutes Bill Kelly

LINTHICUM, MD, May 1, 2020— NFM Lending is pleased to honor Aviation Metalsmith, 2nd Class “Grandpa” Bill Kelly as the NFM Salute for May 2020. Kelly was born in 1925 in Aurora, Illinois during the Great Depression. As one of seven children, he said growing up he never realized they were po…
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replace your roof

Signs It’s Time to Replace Your Roof

Do you know when you should replace your roof? If your answer was, “when it starts to rain inside”, that’s far too late. Your roof is one of the most important elements to your home’s comfort and structural integrity, so don’t wait until you have to put buckets around the house to get y…
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Contact Me

NFM Branch WA349


(206) 295-8455


3400 188th St. SW, Suite 400 Lynnwood, WA 98037 (Branch Manager: Jeff Miltenberger)

Ready to get started or have any loan questions? Contact me at (206) 295-8455 or jmiltenberger@nfmlending.com or submit the form below and I will call you.

Contact Me

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