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
Testimonials
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!!"
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 "
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
Getting Your Home Ready for Fall
September 25, 2018
With summer over, it’s the perfect time to start preparing for the approaching winter months. Here are some important tips to help you start getting your home ready for fall. Clean your Chimney One of the last things you want to worry about is having your chimney catch on fire. That’s why it …
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NFM Lending salutes Robert J. Swain
September 5, 2018
LINTHICUM, MD, September 5, 2018— NFM Lending is pleased to honor Captain Robert J. Swain as the NFM Salute for September 2018. CPT Swain graduated from Texas A&M as a Second Lieutenant in the U.S. Army in 1962. His first assignment was as a Liaison Officer to the British delegation for a s…
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What is the Chenoa Fund Program?
September 4, 2018
One of the biggest reasons holding people back from becoming homeowners is lack of funds, specifically to cover the cost of a down payment on a loan. Luckily, there are several assistance programs available to help people in those financial situations become homeowners by covering the required d…
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NFM Lending Holds Fourth Annual School Supply Drive
August 29, 2018
LINTHICUM, MD, August 29, 2018— NFM Lending is pleased to announce the successful completion of its fourth annual School Supply Drive. From July 30th to August 13th, NFM Lending collected school supplies to fill backpacks with tools that will prepare students in Anne Arundel County for a succe…
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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