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 Andrew H, LAKEWOOD RANCH, FL
"Charles is extremely knowledgeable and knows what is best for his clients. We were fortunate to meet him for a mortgage several years ago. He has stayed in contact with us and kept us up to date. We have referred other people to him. He taught my children “Mortgage 101” so they can prepare for their first home. It is rare to find someone that after one business transaction they becomes your “go to” expert. Charles Baxter is that person for us and we will work with him exclusively."
Reviewed by Jodie L
"Charles was very helpful when I needed help getting items sent to him or when I couldn't get into my account. He used terminology that I could understand, especially when I was considering buying a point."
Reviewed by Brett L, Saint Petersburg, FL
"From the moment I stepped into Charles’ office until the day I closed he was nothing short of a consummate professional. He answered every question in detail and went above and beyond in every aspect of the job. If he didn’t have the answer (which was rarely the case) he would find out immediately and return my call—he never once kept me waiting. His timelines on everything he did was impeccable and I couldn’t have asked for a better lender to work with. He has to be one of the best out there!"
Reviewed by Madai F, Clearwater, FL
"We had an incredible experience with Charles. This was our first time buying a home and he was super informative and helpful with every step of the way. "
Reviewed by Abbey A, Venice, FL
"Charles did an excellent job! We wouldn’t want to have anyone else helping us find our dream home! Thank you Charles!! "
Reviewed by Carmen M, Tampa, FL
"Worked with Charles Baxter,very helpful,explains process, always returned my calls and pleasant and professional to work with would recommend him to anyone."
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