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 Donald R, Kitts Hill, OH
"Joe was very professional and knowledgeable. He went above and beyond to help us through our home buying process. He was able to answer any and all of our questions. I would and have highly recommended him to potential clients. It was a pleasure getting to know Joe and working with him on our journey to buying our new home."
Reviewed by Zachary A, Ironton, OH
Reviewed by Jennifer A, Ironton, OH
"The experience was worry free. Walter (Joe) went above and beyond to make everything as easy as possible."
Reviewed by Christopher K, Ona, WV
"When I first talked to joe, I had no idea what i was doing. My credit wasnt good enough and neither was my wife's. He helped us get our credit up and guided through this. He always answered the phone and if he didnt, always called back. Joe is awesome!!!!"
Reviewed by Marc R, South Point, OH
"Joe was an absolute blessing. We were told over and over again that we couldn't get a loan. Joe made it possible. I would never recommend anyone else because I know he really loves helping people and does his best to make it happen. "
Reviewed by Jennifer P, Huntington, WV
"Walter Stowers was there every step of the way offering advice and support. "