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 Lauren S, Tampa, FL
"Clay was phenomenal. I am highly neurotic and have 1,000 questions all the time. Clay was not only incredibly responsive but thorough in his explanations and very quick to respond to every single question I had. He made a very stressful process very easy. He even prepared our pre-approval letters on the weekends when he wasn't working and never made us feel like an inconvenience for encroaching on his personal time. I will 100% recommend Clay to anyone I know who is purchasing a home!"
Reviewed by Jeffrey S, Holiday, FL
"Easy no hassle great communication through the whole process "
Reviewed by Susan C, Holiday, FL
"Clay and his team were amazing! Everything was smooth and on time. Communication was amazing. I would highly recommend Clay and his team for any of your lending needs. "
Reviewed by Shane O, Land O Lakes, FL
"Clay and his team were always on call and willing to go the extra mile to make my dreams come true. "
Reviewed by Kelly B, Spring Hill, FL
"Very professional and knowledgeable. Highly recommend "
Reviewed by Francis J, Spring Hill, FL
"Clay and the rest of the team were phenomenal in taking care of our refi. They were prompt with any and all communications and Clay went out of his way to help us with any questions and to make sure that we fully understood the process and how things were going to work. He went above and beyond to answer all our questions."
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