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
Meet the Team
Bill Mantooth
Loan Originator
p. 727-316-5115
|f. 727-362-1330
e. teammantooth@nfmlending.com
NMLS # 309568
Kenneth H. Schiff
Loan Originator
p. 727-947-2516
|f. 727-314-8355
e. kschiff@nfmlending.com
NMLS # 339947
Michael Holzum Jr
Mortgage Loan Originator
p. 414-430-4027
|f.
e. mholzumjr@nfmlending.com
NMLS # 1636793
Zenaida Hinson
Mortgage Loan Originator
p. 727-316-5039
|f. 727-316-5039
e. zhinson@nfmlending.com
NMLS # 1400367
Phil Strickland
Mortgage Loan Originator
p. 727-225-4492
|f. 727-362-1330
e. pstrickland@nfmlending.com
NMLS # 1514105
Kirk E Stevens
Mortgage Loan Originator
p. 727-316-5152 x115
|f. 727-362-1330
e. kstevens@nfmlending.com
NMLS # 1157877
Testimonials
Jan 2019
Reviewed by Peter P, Port Richey, FL
"Clay was very helpful and informative the whole process through. There were other issues and I can be difficult sometimes when things happen I don't agree with but Clay was instrumental in assisting me with most of my issues and coming up with resolutions or compromise as the situation would dictate."
Oct 2018
Reviewed by Robert S, New Port Richey, FL
"Fast and smooth, worked very well for me."
Sep 2018
Reviewed by Carly L, New Port Richey, FL
"They were always there when I had a question. Super fast response and very knowledgeable. Great company to work with!"
Sep 2018
Reviewed by Kelsey E, New Port Richey, FL
"Clay and his team made our home buying process go very smoothly! We’re happy we had him! "
Aug 2018
Reviewed by Anthony C, New Port Richey, FL
"Clay was very informative and made this very simple. Samantha and Heather were also awesome. I would recommend clay and his team to anyone. "
Jul 2018
Reviewed by Janet W, Palm Harbor, FL
"Thanks Clay for all of your help getting through this refinance! A little tricky at times but you were always professional and there to help me through. With everything i have going on in my life, making this an easy process was awesome and I appreciate it more than you will ever know! Thanks for everything!!"
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
NFM Lending Named a Top Mortgage Employer
February 15, 2019
LINTHICUM, MD, February 15, 2019— NFM Lending is proud to announce that it was named a Top Mortgage Industry Employer by National Mortgage Professional Magazine. This is the fourth time NFM Lending has received this honor. Each year, National Mortgage Professional Magazine distributes a survey …
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NFM Lending salutes Nicolas Alvarez
February 6, 2019
LINTHICUM, MD, February 6, 2019— NFM Lending is pleased to honor Private Nicolas Alvarez as the NFM Salute for February 2019. Upon graduation from high school, Pvt. Alvarez enlisted in the United States Marine Corps. He recently graduated from boot camp at the Marine Corps Recruit Depot at Parr…
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6 Steps to Purchase a New Home
February 3, 2019
Buying a home is one of the most significant financial decisions you will make in your life. In order to make an informed decision, doing some research for each step of the process can help ensure a smooth transaction. Here are the 6 basic steps needed to purchase a home. Step 1: Get Pre-Qualifie…
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Why Winter is a Good Time to Sell Your Home
January 22, 2019
If you’re ready to sell your home, you don’t need to wait until the spring just because that’s the more popular time. There are plenty of benefits to selling in the off season, even a few that can be monetary. Here are our top 5 reasons for why winter is a good time to sell your home. Low I…
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Contact Me
Clay Higgins
Mortgage Loan Originator
NMLS ID#:
956322
Phone:
727-316-5115
Fax:
727-362-1330
Email:
chiggins@nfmlending.com
Address:
2963 Gulf to Bay Boulevard, Suite 110, Clearwater, FL 33759