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 Kevin A L, Willow Wood, OH
"Joe was the right person for our closing. Joe answered our questions and eased our minds when things arose unexpectedly. I couldn’t imagine anyone more suited for our closing than Joe Stowers. Prayers are answered when Joe became part of ourHouse buying adventure. I will not hesitate in recommending Joe to friends and family"
Reviewed by Joshua A S, Proctorville, OH
"Very easy to deal with can't say enough positive things about Joe and his team "
Reviewed by Emily L. F, Parkersburg, WV
"Great communication, fast process, constant updates, easy to get ahold of Joe, and all our questions always thoroughly answered. Would use again and again in the future."
Reviewed by Billy K C, South Point, OH
"I highly recommend Joe . Super nice guy and a pleasure to work with . He answered any questions I had and kept us really informed on our loan process"
Reviewed by Christina L D, Proctorville, OH
Reviewed by Patricia G. K, South Point, OH
"Joe was there for any questions, multiple calls and always willingbto help and listen."