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!
Meet the Team
Reviewed by Valerie B, Riverview, FL
"I believe this is the third loan I have processed with Kam Garms, he is very professional and polite. He explains the entire process in great detail. He keeps you updated along the way and makes the process easy. I look forward to working with him and his team again in the future."
Reviewed by Gina M, Naples, FL
"This was my second experience working with Kameron Garms & NFM Lending & again they both exceeded my expectations! Kameron was always very professional and at the same time made me feel like a family member! The staff working with Kameron especially Cindy Gregory were equally awesome!! Everything Kameron did for me will always be appreciated because I know they worked feverishly hard to get my home to close on time!! Kameron always returned an email or call even on weekends! Kudos to Kam!"
Reviewed by Francisco J, Odessa, FL
"Kam is incredible to work with! We have worked with him multiple times, and we will never go to anyone else! He is honest, hard-working, and always available to meet your needs! We have recommended him numerous times to neighbors looking to refinance, and to others looking to purchase a home! His work ethic is immeasurable! He is the BEST if the best! "
Reviewed by Charles S, St Petersburg, FL
"Kam was an absolute dream to work with. Being first time home buyers, we had a million questions, but Kam remained incredibly helpful and patient during the entire process. We needed something quickly on a Sunday night, and he was able to get us what we needed. I couldn’t recommend Kam more highly; THANK YOU KAM!"
Reviewed by Steven A, Tampa, FL
"The entire process, start to finish was just great! I am so happy that Kam was personally recommended by a friend saying that I would not be sorry for choosing Kam & NFM Lending 4 my Home Mortgage needs. Kam provided personal attention from the 1st time we met in person to all the calls/texts after that. Kam has a wealth of knowledge to share/educate you with throughout the entire process. Kam truly truly epitomizes the golden rule in all aspects. Thank you so much 4 everything Kam! U r Aces."
Reviewed by Sara J, St Petersburg, FL
"Working with Kam made our first time home purchase a breeze! He was extremely knowledgeable and very quick to respond to any question we had. He was efficient and always made sure we understood each step of the process. I will definitely recommend him to family and friends!"
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.