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 Donald L, Selma, NC
Reviewed by Jack E, Dunn, NC
"Quick close, easy process, smooth as it could be"
Reviewed by Rebecca E, Garner, NC
"Chuck was so friendly and easy to work with! His response time to texts and emails were within the hour which made me super happy!! I highly recommend Chuck Payne for any of your mortgage/refinance needs!!"
Reviewed by Terrance H, La Grange, NC
"This experience was better than expected. People say home buying can be stressful but I had a great experience. The communication was great and everything was handled very fast."
Reviewed by Thomas B, Holly Springs, NC
"The communication from Chuck was on point, very knowledgeable and clearly explained the process and setting clear expectations on when key deliverables. I appreciate the proactive reminders on actions that required my attention , with a busy schedule these reminders kept the process moving along. Chuck and team were professional and exceeded expectations. We closed on time, with a great rate and zero issues. Would highly recommend. "
Reviewed by Michael A, Raleigh, NC
"Very knowledgeable and willing to go the extra step to make this loan go smoothly"
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.