I have been passionate about the mortgage industry for 19 years. I am currently the Branch manager of NFM's Penns Grove, NJ location along with my partner Jerry Cook. Having earned my MBA in finance from Rowan University in May of 2003, I am uniquely qualified to provide mortgage advice to meet short term goals and help with long term financial planning. I've always believed that a transaction as important as buying a home should involve a loan officer who acts as an advocate to the borrower. Being available during non-traditional business hours to service ones needs is something that I am proud to say has set me apart over the years and has thus earned me valuable customer loyalty.
Reviewed by Mathilda M, Woodbury, NJ
"Bill Lex and his team were awesome from the start of our forever home search to the very end. As first time home owners, we were still very wet behind the ears when it came to knowing what to look out for when home shopping. Bill availed himself to us as we searched and was literally available to answer any of our questions 7 days a week at any given time and also give out advice. We received nothing but courtesy, respect, understanding and kindness from the NFM team. "
Reviewed by Marcus A, Turnersville, NJ
"I was deployed overseas using NFM Lending between Mary Tara and Bill. They were all great and quick to respond. They made everything perfect through email and made the loan process very simple. Correspondence was easy! The most simple but also in-depth process! Highly recommend this team!"
Reviewed by Benjamin J, Philadelphia, PA
"I worked with Jerry Cool at closing after Joe got me all the way from the beginning to that point. Really helpful and explained things to me when I had questions. Great job."
Reviewed by Mehul P, Swedesboro, NJ
"Overall great experience."
Reviewed by Jenna M, Sewell, NJ
"Everyone at NFM was awesome throughout the whole process of buying a home, especially as a first time home buyer! I couldn’t recommend Bill and his team enough!"
Reviewed by Cristin E, Riverside, NJ
"Great communication and push for a quick closing. "
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 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.
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.