About
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!
Awards
Meet the Team
Taylor Croy
Branch Manager
p. 704-967-8489
|f. 704-269-4867
e. tcroy@nfmlending.com
NMLS # 117033
Christopher Taylor
Branch Manager
p. 704-967-8490
|f. 704-269-4870
e. CT@nfmlending.com
NMLS # 881467
Christopher Reinert
Branch Operations Manager
p. 704-967-8491
|f. 704-269-4871
e. creinert@nfmlending.com
NMLS # 248184
Valentina Grafton
Mortgage Loan Originator
p. 704-994-5392 x1007
|f. 704-269-4932
e. vgrafton@nfmlending.com
NMLS # 1352408
Andy McManus
Mortgage Loan Originator
p. 980-254-2835
|f.
e. amcmanus@nfmlending.com
NMLS # 450508
Testimonials
Oct 2019
Reviewed by Paulina Z, Charlotte, NC
"Made the whole process way easier and always responded very quickly to any questions or concerns. "
Oct 2019
Reviewed by Elizabeth A, Charlotte, NC
"Made the entire process as easy as possible. The team was always available for any questions I had. Austin is so personable and made my buying experience great."
Sep 2019
Reviewed by Ryan W, Mount Pleasant, SC
"Austin is the best. We have used him numerous times and would recommend him to anyone we know"
Sep 2019
Reviewed by Brandon S, Trinity, NC
"Austin can get you closed quickly. Get him the documents requested immediately and he will get you closed faster than the larger banks."
Sep 2019
Reviewed by Alicha E, Concord, NC
"My experience was excellent from the first voicemail. Not only did he state who he was but also included that days date, which was impressive. I felt like my voice message was important would be heard and returned promptly. He returned my call within hours and from there we set up a time to meet in person. He was extremely professional, inviting, informative, knowledgably and kind. He listened to me and factored in all of my requests. He broke everything down to my understanding. He was amazing"
Sep 2019
Reviewed by Alyssa A, Cornelius, NC
"Austin was there for me every step of the way, going over every detail and explaining everything in great detail. This process was very easy with little stress thanks to Austin. I could not have done this without him. "
Loan Tools
Here are some useful links to get you started in the loan process.
203(k) Program
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.
Document Checklist
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.
Mortgage Glossary
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 considering refinancing 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.
Moving Checklist
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.
Blog
NFM Lending Sponsors 15th Annual BARCStoberfest
October 4, 2019
LINTHICUM, MD, October , 2019— NFM Lending is proud to be a Sponsor for the 15th annual BARCStoberfest 5k and 1-mile run/walk and festival on October 26, 2019. This event will benefit the Baltimore Animal Rescue and Care Shelter (BARCS). This will be NFM Lending’s first year sponsoring the …
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How Do Mortgage Calculators Work?
Note: This blog was originally published in February 2013 and has been updated. Mortgage calculators are important tools for both homebuyers and homeowners. These calculators can help estimate your monthly mortgage payments as well as how much you can afford when purchasing a home. There are vari…
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NFM Lending salutes Christine Ege
October 1, 2019
LINTHICUM, MD, October 1, 2019— NFM Lending is pleased to honor Colonel Christine Ege as the NFM Salute for October 2019. COL Ege is serving in the US Army as a veterinarian and is currently in her 21st year of continuous active duty service. She passionately supports the Department of Defense …
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How Your Credit Score Affects Your Mortgage Rate
September 14, 2019
When applying for a loan, one of the most important factors that will come into play is your credit score. Before you start the loan application process, you should have a clear understanding of how your credit score affects your mortgage rate so you can assess your financial situation. Most lend…
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Contact Me
Austin Combs
Mortgage Loan Originator
NMLS ID#:
798899
State NMLS:
SC#MLO - 798899
Phone:
704-607-5967
Email:
acombs@nfmlending.com