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 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."
Reviewed by Suzanne A, Tarpon Springs, FL
"Clay was wonderful to work with. He helped us along the way, was easy to contact and get a hold of, and explained each step in detail. "
Reviewed by Nicholas A, Tarpon Springs, FL
" Clay was very knowledgeable of all the different loans that were out there and he worked very diligently and efficiently with me to find the exact one that you did all my needs. Not only did he find me the right loan he also found me the The best interest-rate. He also walked me step-by-step through every process and kept me up-to-date with everything that was going on in a very efficient and timely manner. The service he provided to me and the quality of his work is exceptional. "
Reviewed by Nancy A, Spring Hill, FL
"Clay was absolutely great! He made things so easy for my husband and I and we had a great experience with him. Prior to him we had a different relator with a different mortgage lender and we were so unhappy with them and when we started working with Clay we knew we wouldn’t have any issues! He really made everything so easy for us and was always available to talk if we needed to which is why we were so satisfied working with clay! Would highly recommend him!! "
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