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!
Reviewed by Michael T, Mantua, NJ
"Joy was always available to answer all of our questions and was a pleasure to work with. She was very knowledgeable. I would recommend everyone to work with Joy on their next home mortgage needs. "
Reviewed by Richard B, Southampton Twp, NJ
"Joy was a joy to work with throughout the loan process! She communicates so well and does not sound bureaucratic or detached. She makes you feel like you are a person not just another mortgage seeker!"
Reviewed by Erin R, Brick, NJ
"Joy was great to work with from the start. I had issues regarding the closing date a few times and she was able to make the transition as smooth as possible. Everything I signed was gone over in detail and made sense. I would highly recommend NFM Lending and Joy!"
Reviewed by Kim D
"Joy was straight forward and personalable. She took time out of her personal/family time to finish our mortgage... you can't get more dedicated then that! Joy was each to contact and get our mortgage completed! Highly higly recommend her services! "
Reviewed by Francis C, Sewell, NJ
"Great went out of her way to get all the papers signed"
Reviewed by Joshua M, Gibbstown, NJ
"Thankful for the good communication throughout the entire process. Joy "nudged" us along when needed but was not overbearing along the way. Would definitely recommend Joy and her team to others!"
Here are some useful links to get you started in the loan process.
Our mortgage calculators can be used to estimate how much your monthly mortgage payments will be, see if you will save by refinancing your mortgage, or to find out how much house you can afford.
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.
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.
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.
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.