Clay Higgins
Clay Higgins

Clay Higgins

Mortgage Loan Originator | NMLS# 956322 Apply Now Contact


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!




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.


Top Mortgage Employer 2019

NFM Lending Named a Top Mortgage Employer

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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Nicolas Alvarez

NFM Lending salutes Nicolas Alvarez

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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Purchase a Home

6 Steps to Purchase a New Home

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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Selling Home During Winter

Why Winter is a Good Time to Sell Your Home

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

Clay Higgins

Mortgage Loan Originator





2963 Gulf to Bay Boulevard, Suite 110, Clearwater, FL 33759

Ready to get started or have any loan questions? Contact me at 727-316-5115 or or submit the form below and I will call you.

Contact Me

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