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!




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.


Getting Home Ready Fall

Getting Your Home Ready for Fall

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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Captain Robert J. Swain

NFM Lending salutes Robert J. Swain

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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Chenoa Fund Program

What is the Chenoa Fund Program?

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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Fourth Annual School Supply Drive

NFM Lending Holds Fourth Annual School Supply Drive

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

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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