Kameron Garms
Kameron Garms

Kameron Garms

Loan Originator | NMLS# 322480 Apply Now Upload Docs Returning Applicant Contact


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!

My Videos


Meet the Team

  • Jennifer Reinert

    Jennifer Reinert

    Branch Operations Manager

    p. 813-676-1996



  • Dawn Segreto

    Dawn Segreto

    Processing Supervisor

    p. 813-676-1994



  • Sarah Voorhees

    Sarah Voorhees

    Junior Processor

    p. 813-445-4196



  • Testimonials


    Sep 2020

    Reviewed by Donna M, Lakewood Ranch, FL

    "A pleasure to work with Kam and his team from beginning thru closing. Very professional in securing our loan and always able to answer questions in a time efficient manner. Recommend them to all our friends moving to Florida. 10 out of 10!!! "


    Aug 2020

    Reviewed by Rachel M, Tampa, FL

    "Kam and his team were great to work with! Very responsive and thorough in their work. As being a first time home buyer, Kam broke down the entire process and made it easier to understand. He is very personable and easy to talk. Grateful for all the help he provide! "


    Jul 2020

    Reviewed by Ian T, Tampa, FL

    "From the beginning, Kam was able to take the time and truly LISTEN to our needs, challenges, and concerns and provide options clearly stating the pros z& cons if each. The same level of 5 star service continued through closing. "


    Jun 2020

    Reviewed by Emili J, Clearwater, FL

    "Working with NFM was very easy, especially for a first time home buyer! Kameron was absolutely amazing and was always available to promptly answer any questions along the way. Simply the best! "


    Apr 2020

    Reviewed by Branden S, Brandon, FL

    "I had a previous loan originator and the experience was terrible. After I made the switch to Kam Garms at NFM Lending, the process became an easy one. The entire team at NFM Lending is professional and always keeps their word. I would/will refer to Kam Garms at NFM Lending for future business. "


    Apr 2020

    Reviewed by Francis J, Riverview, FL

    "Kam was very friendly and knowledgeable. He was great to work with!"

    Loan Tools

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


    New NFM Brand

    NFM Lending is getting a new look!

    NFM Lending will soon have a new logo and website. These changes to our brand reflect two of our core values: to remain innovative and forward-thinking. While our brand is evolving, everything else will remain the same: our people and our commitment to providing our customers and business partner…
    Read more

    Homebuying and Selling

    Benefits of Homebuying and Selling in the Fall

    Fall usually makes you think of colorful foliage, warm, spiced drinks, and carving pumpkins, but what about buying and selling a home? Fall isn’t traditionally a popular time for the real estate market, but that’s exactly why it can be your secret weapon. Here are some of the benefits of home…
    Read more

    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…
    Read more

    Ray Cash Care

    NFM Lending salutes Ray “Cash” Care

    LINTHICUM, MD, September 1, 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. …
    Read more

    Contact Me

    Kameron Garms

    Kameron Garms

    Loan Originator

    NMLS ID#:



    14497 North Dale Mabry Highway, Suite 235N, Tampa, FL 33618

    Ready to get started or have any loan questions? Contact me at 813-758-2004 or kgarms@nfmlending.com or submit the form below and I will call you.

    Contact Me

    • This field is for validation purposes and should be left unchanged.