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 Margaret A, Saint Augustine, FL
"Clay made this process painless. He demonstrates integrity, knowledge, and professionalism. "
Reviewed by Martha B, Riverview, FL
"Clay and his team are very professional and customer service is excellent. I can't say enough good things about them. I worked with 2 different lenders before Clay and my experience was pretty bad. I'm glad he took care of me and really provided me with the service that any client should get. I will definitely recommend you anytime someone asks for a lender. Your team really rocks and you go above and beyond!!! Thanks!"
Reviewed by Ana M, Riverview, FL
"As a first time buyer I had a lot of questions, Clay was very patient and knowledgeable. Thanks for your time and support. "
Reviewed by Walter E, New Port Richey, FL
"Clay was extremely helpful, he kept us updated throughout the entire process and was very professional."
Reviewed by Elizabeth K, New Port Richey, FL
"Clay was extremely helpful from the very beginning. Purchasing a home can be very stressful, but Clay made the process very easy and kept us up to date and informed of all of our options the entire time. We are so thankful that we were fortunate enough to work with someone who truly had our best interest at heart. Thank you Clay! "
Reviewed by Mark D, Weeki Wachee, FL
"Hands down, the easiest & smoothest refinance process I have ever experienced. I really like the way Clay and his team @ NFM Lending utilize today's technology during the entire process and their communications protocol is beyond reproach. "
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.
Mortgage Loan Originator