JoAnn Rooney
JoAnn Rooney

JoAnn Rooney

Branch Manager | NMLS# 150917 Apply Now Upload Docs Returning Applicant Contact


With over two decades of experience in the residential mortgage industry, JoAnn Rooney has helped hundreds of homeowners purchase and refinance their homes. Based in Palm Harbor Fl, JoAnn Rooney is the branch manager and Senior Loan Officer for award-winning mortgage lender NFM Lending. Representing NFM Lending, JoAnn is backed by in-house processing, underwriting, funding, and closing departments to streamline communications and the overall loan process. With a focus on customer service, JoAnn Rooney has built her business throughout Florida with the help of her satisfied clients, realtors and business partnerships. The JoAnn Rooney Team of NFM Lending excel at exceeding expectations, communication and customer satisfaction. JoAnn's team is known for closing loans professionally and on time.

JoAnn Rooney was appointed to the Florida Real Estate Board by Governor Rick Scott in 2018. She also earned her RCS-D designation for Divorce This House, a program designed to help divorce attorneys and mediators help their clients make better decisions by offering Pre-Divorce Mortgage Consultation before litigation or mediation.

JoAnn Rooney has been a president and member of the Dunedin North Rotary Club for thirteen years.

In her spare time JoAnn enjoys Pilates, swimming, cooking and spending time with her husband and two children in Pinellas county.

My Videos


Looking to purchase a home in Florida?

Call 727-938-9007 to get pre-qualified or with any of your mortgage questions. For immediate service call or text me at 727-515-5123!



Sep 2020

Reviewed by Phillip O, Clearwater, FL

"Mike Rooney treated me like a friend I had known my whole life. Joann was professional and fair with the rate given. I am very pleased with my rate and the service received. I seriously doubt I would have revised as great of service anywhere else. "


Sep 2020

Reviewed by Geremy R, St. Petersburg, FL

"Joann and her team are highly knowledgeable, responsive and communicate well. Excellent experience! "


Sep 2020

Reviewed by Deidre D, Clearwater, FL

"JoAnn, Mike, and Brittany are all rockstar!s They made the entire mortgage process simple and were very informative through every step of financing. They are thorough, have a tremendous attention to detail, and will jump through hoops to protect their buyer(s). As a first time home buyer, I can't imagine trusting anyone but the NFM team to support me through such a major purchase. "


Aug 2020

Reviewed by Michael J, Ocala, FL

"Joann Rooney is the best. She is professional, stays on top of things and makes the experience pleasant. Her team is top notch. We will always use Joann and her team for our loan purposes. Thank you Joann!"


Aug 2020

Reviewed by Wayne P, Dunedin, FL

"Best loan experience I have ever had. I would recommend NFM to all my friends an dfamily"


Aug 2020

Reviewed by Edward J, Indian Rocks Beach, FL

"Joann, Britney and Michael were all great to work with. They were extremely professional and provided accurate, complete and timely responses. Communication was concise and their follow up was excellent despite lapses by other non NFM stakeholders. "

Loan Tools

Here are some useful links to get you started in the loan process.


Credit Score

How Important is Credit Score When Buying a Home?

Mortgage lenders look at many factors when determining your loan eligibility and rate, including your credit score. You may understand the importance of having a good credit score, but just how important is credit score when buying a home? Here are some of the factors lenders are taking into cons…
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Ray Cash Care

NFM Lending salutes Ray “Cash” Care

LINTHICUM, MD, August 3, 2020— NFM Lending is pleased to honor retired Navy SEAL, Ray “Cash” Care, as the NFM Salute for September­­ 2020. Care is no stranger to adversity; it is a force that has shaped him his entire life. When Care was just eleven years old, his father was murdered. As …
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Quiz - Can you Identify These Architectural Styles - Blog Image

Quiz: Can You Identify These Architectural Styles?

. If you're ready to go house-hunting, you might discover just how many styles of homes there are. How well do you know the names of different architecture styles? Take the quiz now to find out! 1. Edwardian 2. Victorian 3. Grandma-style 4. Neo-Gothique -        Victorian homes are named for the era in which they were most popular, from 1830-1910. These homes are very ornate; some even look like dollhouses. The hodgepodge of features and decorations make this style distinct. Common features include:o   Ornate features such as lattice work and gingerbread trimo   Colorful paint and trimo   Asymmetrical designo   Turretso   Made of wood or bricko   Wrap-around porcheso   Different sized and shaped windows throughout the home 1. Tudor 2. Germanic 3. Dutch Colonial 4. Elizabethan -        Tudor-style homes were influenced by architecture from the Old World. They first appeared in the early 1900s and emulated the look of buildings from 1600s Europe. Common features include:o   Stone or brick, wood, and stucco constructiono   Decorative half-timbering painted in contrasting neutral colorso   Steep-pitched gable roofo   Casement windowso   Asymmetrical front door placement 1. New England 2. Cape Cod 3. Coastal Cottage 4. Nantucket -        The Cape Cod home originated from Puritans who adapted the traditional English Read More...
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Oleg Tkach

NFM Lending opens new branch in Lynnwood, WA

LINTHICUM, MD, August 24, 2020 — NFM Lending is pleased to announce the opening of a new branch in Lynnwood, WA. The branch is located at 3400 188th Street SW, Suite 400, Lynnwood, WA 98037 and will be led by Branch Manager, Oleg Tkach. The NFM Lending branch will focus on expanding NFM’s fle…
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Contact Me

JoAnn Rooney

JoAnn Rooney

Branch Manager


State NMLS:
FL: LO2152


Toll Free:



33920 U.S. Highway 19 N, Suite 150, Palm Harbor, FL 34684

Ready to get started or have any loan questions? Contact me at 727-938-9007x2224 or or submit the form below and I will call you.

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