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!
Reviewed by Mitchel S, Valrico, FL
"Words cannot explain how great Charles is at what he does. This was my wife and I first home purchase, so we had tons of questions, and uncertainties, but Charles was there it seemed 24/7, to help us understand everything that comes with owning a home. I never had a doubt in my mind that this deal wouldn't happen and I give all the thanks to Charles, without him and his team none of this would have been possible. "
Reviewed by MICHAEL A, Saint Petersburg, FL
"Charles was great! Easy to get ahold of and very responsive. He had everything ready to go weeks before closing so closing was a breeze with no suprises. Thanks Charles!"
Reviewed by Justin J, Valrico, FL
"This was my first home purchase, so there was a lot to learn. From day 1, Charles helped me through the process and kept me educated and informed each step of the way. Buying your first home isn't easy, especially if your credit isn't perfect. So, having someone like Charles in your corner is very important. I also feel that the terms of my loan were better than what I could've gotten elsewhere. Overall: happy customer. "
Reviewed by Audrey J, Tampa, FL
"Charles and his team were invaluable during this home closing. Without Charles we wouldn't have been able to close on our new home in the time that we did. He is professional and is great with keeping us in communication. He made sure we were calm and confident during the entire length of the transaction. We would never even think of using another lender. Thank you for all your help Charles! we look forward to working with you again."
Reviewed by Barbara K, Pinellas Park, FL
"Charles helped me finance my first home. I was scared to death of the whole experience but Charles went the extra mile and made everything easy. I don’t know anyone who would call someone at 9 at night to help reassure them of what to expect. Thank you Charles!!! "
Reviewed by Austin M, Palmetto, FL
"I could not have done this without Charles!!! His dedication and determination left me never wondering where I was at in the process of buying my first home. He is an outstanding worker and I’d be honor to have a guy like him on my team. Charles and his team truly did make purchasing a home a great experience. 11/10 highly recommend!"
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.
Charles J Baxter
Mortgage Loan Originator
FL # LO30902