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 Billy W, Huntington, WV
"It was the easiest purchase on a home o have ever made"
Reviewed by Daniel E, Huntington, WV
"From the beginning call to the closing joe was amazing very professional and very nice. This man gave me hope when I thought I would never be able to buy a home. I listened to everything he said and i am now a home owner . Joe is one of a kind. Nfm lending you have one amazing employee thank you all and thank you joe so much"
Reviewed by Timothy J, Kitts Hill, OH
"I had a great experience working with Joe! He was always willing to answer any questions I had & always responded back to me in a timely manner! I will definitely be referring my friends and family to him. "
Reviewed by Jessica M, Branchland, WV
"Prompt and knowledgeable!"
Reviewed by Jerome M, Barboursville, WV
"Walter was great working both sides he made it happen. Thanks again Joe"
Reviewed by Tonya L, South Point, OH
"When I first contact Ted Mr. Stowers he told me what I needed to do to build my husband's credit, I did what he recommended for us to do and called him back. From there we was in the process of purchasing our first home. Mr. Stowers always returned calls and worked very hard for us, I would recommend NFM Lending and Joe Stowers for your home purchase or refinance loan. This is a company who cares. My family has been blessed with our very own little home!"