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
Mar 2018
Reviewed by Amber M, Holiday, FL
"Clay was amazing "
Dec 2017
Reviewed by Darla W, Dunedin, FL
"Clay did a GREAT JOB and I look forward to doing more deals in 2018 with him. He knows his stuff! I've been a local realtor for 19 years and he is at the TOP of my list of lenders. I had a great experience with him for myself with my refinance on my home... Easy and smooth! My clients that I have set to him have been very happy with his services. Thanks again! Darla Wright , Future Home Realty "
Jan 2018
Reviewed by Mary H, Spring Hill, FL
"It was a good experience There was always someone ready to help and explain the process I would highly recommend them to everyone looking for a lending co."
Oct 2017
Reviewed by Michael M, Spring Hill, FL
"First time home buyer and Clay was great to work with. The whole process was fast and easy."
Aug 2017
Reviewed by Ashley L, Trinity, FL
"Clear communication as well as quick responses. Also extremely helpful and friendly!!! Great experience and would highly recommend!!"
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
Hidden Costs of Buying a Home
April 10, 2018
While buying a home might seem straightforward, there’s a lot more to the process than picking out a home and obtaining a mortgage. One of the things most buyers don’t prepare for is all the hidden costs of buying a home, both during the homebuying process and after. Some of these costs occur…
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NFM Lending salutes COL Erwin A. Burtnick, USA, Retired
April 2, 2018
LINTHICUM, MD, April 2, 2018— NFM Lending is pleased to honor Colonel Erwin A. Burtnick, USA, Retired, as the NFM Salute for April 2018. COL Burtnick served over 37 years on active duty and in the Army National Guard and the Army Reserve. Commissioned through Officer Candidate School, he has …
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NFM Lending Loan Originators named among Scotsman Guide’s Top Originators 2017
March 30, 2018
LINTHICUM, MD, March 28, 2018 — NFM Lending is proud to announce two of its loan originators, Jane Floyd and Daniel Sa, have been ranked on the Scotsman Guide’s Top Originators 2017 lists. Each year, Scotsman Guide recognizes the nation’s top producing mortgage loan originators. Originators…
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NFM Lending Celebrates Two Years of the NFM Salute
March 23, 2018
LINTHICUM, MD, March 23, 2018— NFM Lending is celebrating the two-year anniversary of its NFM Salute program. They honored their first NFM Salute on March 23, 2016. NFM Salute is an initiative dedicated to recognizing the brave men and women who have fought and continue to fight for our freedom…
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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