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 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. "
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! "
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. "
Reviewed by Francis J, Riverview, FL
"Kam was very friendly and knowledgeable. He was great to work with!"
Reviewed by Maria A, Tampa, FL
"Kam is very knowledgeable. He makes the whole process seamless and easy. He explains everything in a very easy to understand manner. I have dealt with Kam for over 15 years. I trust him wholeheartedly and have recommended him to family members. He's the best!"
Reviewed by Stephen D, Land O Lakes, FL
"Very good communication and guidance. This was my first time buying a home and Kam and the NFM team made the process very simple. "
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.
Ready to get started or have any loan questions? Contact me at 813-758-2004 or firstname.lastname@example.org or submit the form below and I will call you.