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
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
Kirk E Stevens
Mortgage Loan Originator
p. 727-316-5152 x115
|f. 727-362-1330
e. kstevens@nfmlending.com
NMLS # 1157877
Testimonials
Oct 2019
Reviewed by Lauren S, Tampa, FL
"Clay was phenomenal. I am highly neurotic and have 1,000 questions all the time. Clay was not only incredibly responsive but thorough in his explanations and very quick to respond to every single question I had. He made a very stressful process very easy. He even prepared our pre-approval letters on the weekends when he wasn't working and never made us feel like an inconvenience for encroaching on his personal time. I will 100% recommend Clay to anyone I know who is purchasing a home!"
Sep 2019
Reviewed by Jeffrey S, Holiday, FL
"Easy no hassle great communication through the whole process "
Sep 2019
Reviewed by Susan C, Holiday, FL
"Clay and his team were amazing! Everything was smooth and on time. Communication was amazing. I would highly recommend Clay and his team for any of your lending needs. "
Aug 2019
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. "
Aug 2019
Reviewed by Kelly B, Spring Hill, FL
"Very professional and knowledgeable. Highly recommend "
Aug 2019
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."
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
LaTasha Rowe of NFM Lending Speaks at Women, Influence & Power in Law 2019
October 17, 2019
LINTHICUM, MD, October 17, 2019 — LaTasha Rowe, General Counsel at NFM Lending, will speak during the “Compliance and Legal Implications of Dealing with Regulators” session at the Women, Influence & Power in Law (WIPL) 2019 event in Washington, D.C, on Friday, October 18, 2019. Rowe is…
Read more
NFM Lending Sponsors 15th Annual BARCStoberfest
October 4, 2019
LINTHICUM, MD, October , 2019— NFM Lending is proud to be a Sponsor for the 15th annual BARCStoberfest 5k and 1-mile run/walk and festival on October 26, 2019. This event will benefit the Baltimore Animal Rescue and Care Shelter (BARCS). This will be NFM Lending’s first year sponsoring the …
Read more
How Do Mortgage Calculators Work?
Note: This blog was originally published in February 2013 and has been updated. Mortgage calculators are important tools for both homebuyers and homeowners. These calculators can help estimate your monthly mortgage payments as well as how much you can afford when purchasing a home. There are vari…
Read more
NFM Lending salutes Christine Ege
October 1, 2019
LINTHICUM, MD, October 1, 2019— NFM Lending is pleased to honor Colonel Christine Ege as the NFM Salute for October 2019. COL Ege is serving in the US Army as a veterinarian and is currently in her 21st year of continuous active duty service. She passionately supports the Department of Defense …
Read more
Contact Me
Clay Higgins
Mortgage Loan Originator
NMLS ID#:
956322
Phone:
727-316-5115
Fax:
727-362-1330
Email:
chiggins@nfmlending.com
Address:
1700 N McMullen Booth Rd, Ste D-1, Clearwater, FL 33759