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!
My Videos
Awards
Testimonials
Sep 2020
Reviewed by Michelle F, Garner, NC
"Chuck and his team were great to work with! Communication was great and the entire transaction was very smooth. "
Sep 2020
Reviewed by ELIN B, Apex, NC
"Chuck was so easy to work with. Professional, knowledgeable, and pleasant. He always provided you with a big smile and laugh, making the process so much easier. I would truly recommend him to anyone! "
Sep 2020
Reviewed by Kimberly J, Raleigh, NC
"Easy, smooth process!"
Aug 2020
Reviewed by David C, Apex, NC
"Chuck and his team continuously kept me informed as to the next step and were always available to answer my questions. I have and will continue to work with Chuck and will definitely recommend this group."
Aug 2020
Reviewed by Steven L, Clayton, NC
"10/10"
Aug 2020
Reviewed by Lesley J, Clayton, NC
"Chuck and the staff were wonderful! "
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
Benefits of Homebuying and Selling in the Fall
September 22, 2020
Fall usually makes you think of colorful foliage, warm, spiced drinks, and carving pumpkins, but what about buying and selling a home? Fall isn’t traditionally a popular time for the real estate market, but that’s exactly why it can be your secret weapon. Here are some of the benefits of home…
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How Important is Credit Score When Buying a Home?
September 9, 2020
Mortgage lenders look at many factors when determining your loan eligibility and rate, including your credit score. You may understand the importance of having a good credit score, but just how important is credit score when buying a home? Here are some of the factors lenders are taking into cons…
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NFM Lending salutes Ray “Cash” Care
September 1, 2020
LINTHICUM, MD, September 1, 2020— NFM Lending is pleased to honor retired Navy SEAL, Ray “Cash” Care, as the NFM Salute for September 2020. Care is no stranger to adversity; it is a force that has shaped him his entire life. When Care was just eleven years old, his father was murdered. …
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Quiz: Can You Identify These Architectural Styles?
August 30, 2020
. If you're ready to go house-hunting, you might discover just how many styles of homes there are. How well do you know the names of different architecture styles? Take the quiz now to find out! 1. Edwardian 2. Victorian 3. Grandma-style 4. Neo-Gothique - Victorian homes are named for the era in which they were most popular, from 1830-1910. These homes are very ornate; some even look like dollhouses. The hodgepodge of features and decorations make this style distinct. Common features include:o Ornate features such as lattice work and gingerbread trimo Colorful paint and trimo Asymmetrical designo Turretso Made of wood or bricko Wrap-around porcheso Different sized and shaped windows throughout the home 1. Tudor 2. Germanic 3. Dutch Colonial 4. Elizabethan - Tudor-style homes were influenced by architecture from the Old World. They first appeared in the early 1900s and emulated the look of buildings from 1600s Europe. Common features include:o Stone or brick, wood, and stucco constructiono Decorative half-timbering painted in contrasting neutral colorso Steep-pitched gable roofo Casement windowso Asymmetrical front door placement 1. New England 2. Cape Cod 3. Coastal Cottage 4. Nantucket - The Cape Cod home originated from Puritans who adapted the traditional English Read More...…Read more
Contact Me
Chuck N Payne
Branch Manager
NMLS ID#:
92794
Phone:
919-523-7210
Fax:
888-253-0292
Email:
cpayne@nfmlending.com
Ready to get started or have any loan questions? Contact me at 919-523-7210 or cpayne@nfmlending.com or submit the form below and I will call you.