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!
Awards
Testimonials
Jan 2020
Reviewed by Donald L, Selma, NC
"Great"
Dec 2019
Reviewed by Jack E, Dunn, NC
"Quick close, easy process, smooth as it could be"
Dec 2019
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!!"
Nov 2019
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."
Nov 2019
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. "
Nov 2019
Reviewed by Michael A, Raleigh, NC
"Very knowledgeable and willing to go the extra step to make this loan go smoothly"
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
How to Find the Right Real Estate Agent
January 10, 2020
If you’re ready to sell or buy a home, you will need a competent real estate agent to guide you through the process. With so many agents out there, how do you know which one will be the best for you? Much like dating, you may have to try out different people to find an agent who “clicks” wi…
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Letters from Soldiers (Troop Drive 2019)
January 6, 2020
Since our 12th annual Support Our Troops Drive in 2019, we’ve received great letters from soldiers stationed around the world. In November, we sent 250 care packages to 125 groups of soldiers. Today, we continue to send 4 care packages every month as a small way to show our troops how mu…
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NFM Lending salutes Danny Austin
January 2, 2020
LINTHICUM, MD, January 2, 2020— NFM Lending is pleased to honor Sergeant Danny Austin as the NFM Salute for January 2020. Danny served in the U.S. Air Force from 1969 to 1981. He served three tours in Vietnam, treating wounded soldiers as a Rescue Medic. For his own peace of mind and to avoid h…
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New Year’s Resolutions for the Home Seller
December 28, 2019
New Year’s is an ideal time to make resolutions to hit the gym, eat healthier, and make better choices. For many homeowners, the process of making their home marketable can feel overwhelming, and the prep stage often gets put on the backburner. Why not resolve to make 2020 the year to get your …
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Contact Me
Chuck N Payne
Branch Manager
NMLS ID#:
92794
Phone:
919-523-7210
Fax:
888-253-0292
Email:
cpayne@nfmlending.com