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
Phil Strickland
Mortgage Loan Originator
p. 727-225-4492
|f. 727-362-1330
e. pstrickland@nfmlending.com
NMLS # 1514105
Testimonials
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!!"
Mar 2018
Reviewed by Amber M, Holiday, FL
"Clay was amazing "
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
NFM Lending opens new branch in St. Petersburg, FL
December 7, 2018
LINTHICUM, MD, December 7, 2018 — NFM Lending is pleased to announce the opening of a new branch in St. Petersburg, Florida. The branch is located at 3035 5th Avenue North, St. Petersburg, FL 33713, and will be led by Branch Managers, Steve and Amanda Stapleton. The NFM Lending branch will focu…
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6 Important Home Features for Hosting
December 4, 2018
Do you love entertaining your friends and family and want to be the go-to host for holidays, dinners, and other gatherings? Not every home is fit to do so. If you’re searching for a new home or want to redecorate or renovate, keep in mind these 6 important home features for hosting. Entry Way T…
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NFM Lending salutes Cliff Hageman
December 3, 2018
LINTHICUM, MD, December 3, 2018— NFM Lending is pleased to honor Specialist Cliff Hageman as the NFM Salute for December 2018. SPC Cliff Hageman joined the army just a few months after his high school graduation in 1988, serving until 1992. His military occupation specialty (MOS) was an 88M, or…
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NFM Lending named a Top Work Place for Seventh Straight Year
December 1, 2018
LINTHICUM, MD, December 1, 2018— NFM Lending is proud to announce that it was named a Top Work Place in the Baltimore area by The Baltimore Sun. This is the seventh consecutive year that NFM Lending has received this honor. Each year, The Baltimore Sun distributes a survey to employees of Balti…
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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