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
Looking to purchase a home in the Palm Harbor Area?
Check out all of these listings and find your dream home today! Call 727-938-900 or email me to get started or to get pre-qualifed!
Testimonials
Jul 2018
Reviewed by STEPHEN C, Palm Harbor, FL
"I really liked how I would get email updates as soon as a step in the process was completed. JoAnn was also always available via phone if I needed to discuss something or have something explained. "
Jul 2018
Reviewed by WILLIAM A, Tierra Verde, FL
"We had a great experience with JoAnn. Everything went better than planned! "
Jun 2018
Reviewed by RUTH ANN S, Tierra Verde, FL
"Great team and customer service!"
Jun 2018
Reviewed by JAMES P S, Tierra Verde, FL
"I wouldn't work with anyone else!"
Jun 2018
Reviewed by KYLE P, Safety Harbor, FL
"I loved working with the entire team. They handled my file quick, proficient, and with care. I would recommend them to anyone."
Jun 2018
Reviewed by PATRICIA E M, Palm Harbor, FL
"outstanding job on putting our loan thru. accomplished what I thought would be impossible. Great job gang. "
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
What is a G-Fee and what does it have to do with my interest rate?
July 3, 2018
As you move through the homebuying process and have to choose a mortgage, each option will present an interest rate. This rate determines how much you must repay the lender as a part of your monthly mortgage payment. While you might be familiar with interest rates, there is probably a component o…
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NFM Lending salutes Catherine L. Clapp, USN, Retired
July 2, 2018
LINTHICUM, MD, July 2, 2018— NFM Lending is pleased to honor Personnelman First Class Catherine L. Clapp, USN, Retired, as the NFM Salute for July 2018. Following family tradition and looking to gain work experience, PN1 Clapp joined the Navy right out of high school, serving from 1979 to 1999.…
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NFM Lending Named a Top Workplace in the Washington, D.C. Area for 2018
June 22, 2018
LINTHICUM, MD, June 22, 2018 — NFM Lending is pleased to announce that it has been ranked a 2018 Top Workplace in the Washington, D.C. area by the Washington Post. This is the fourth consecutive year that NFM Lending has received this award. NFM Lending received the award at a ceremony held T…
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8 Steps to a 203k Rehab Loan
June 19, 2018
When house-hunting for your new home, you might discover one that would be perfect for you but needs a bit of TLC. Don’t worry! An FHA 203k rehab loan is there to make your dreams of homeownership come true. This loan allows you to borrow both what you need to purchase the home and what you…
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Contact Me
JoAnn Rooney
Branch Manager
NMLS ID#:
150917
Phone:
727-938-9007x2224
Toll Free:
844-866-9760
Fax:
727-386-4195
Email:
jrooney@nfmlending.com