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 Douglas M, Barboursville, WV
"People like Joe, Mr. Stowers are far and few between. It makes the day worth waking up for. Mr. Stowers is truly a man of Faith, and someone who you would be proud to call a true friend."
Reviewed by Sean T E, Buffalo, WV
"It was a long process on my part but Stephen stayed in contact to let me know what was needed to take the next steps. It was great knowing there was someone to walk you through any questions you would have. Thank you"
Reviewed by John T Y, Ironton, OH
"The experience was made as easy as possible for us. Joe was amazing and we cant thank him enough."
Reviewed by Marcus D T, Ironton, OH
"Joe was amazing to work with and got everything done quickly. He made sure we understood the whole process. We was even able to close before our original closing date. We are so thankful we got to work with Joe."
Reviewed by Robert Scott S, Chesapeake, OH
"My home acquisition quest was a three year ongoing ordeal. Joe and his team stuck it out with me and I finally closed on my home yesterday. Outstanding!"
Reviewed by Emma M R, Dunbar, WV
"Wonderful experience. Worked with me every step of the way. Quick to respond/return phone calls."