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 Francisco J, Odessa, FL
"Kam was available for us no matter the time! He was prompt in returning text messages and emails. He would call for updates. He would email for updates. He was kind, funny, very personable and he knows his stuff! He is extremely knowledgeable and is always willing to answer any question! I have worked with Kam now on 3 different occasions and with each interaction, he has been exactly the same: personable, available, knowledgeable, kind, courteous, and made each experience seamless!"
Reviewed by Gina M, Land O Lakes, FL
"All I can say is that a 5 star rating for Kameron Garms doesn’t do him any justice! Working with Kam was undeniably the best experience I have had in 2018! Coming out of a divorce and being the worst time of my life was difficult enough but working with Kam and NFM was a hidden gem for sure! Kam was amazing with all his extensive knowledge he was able to coach me through this “first time home purchasing event” with ease! Kam made it a supportive and very comforting experience! Kudos Kam!"
Reviewed by Paul V, Land O Lakes, FL
"Kam was prompt, knowledgeable and very helpful. The videos were informative and fun to watch. The experience was amazing! THIS is the lead that every lender should follow. "
Reviewed by Richard W, Tampa, FL
"I wouldn’t trust this process with anyone else but Kam. By the end of the process, he felt like family. "
Reviewed by Julia A, Odessa, FL
"Kameron was great to work with. He answered all my calls and questions. He made sure everything stayed on track for the scheduled closing date. I would be most pleased to work with Kameron again. "
Reviewed by Tyson A, Davie, FL
"As a first time home buyer I was certainly inexperienced in the many facets involved. Kam was great at breaking all of them down for me. The process was smooth and simple. Kam and his team were always available and proactive when I needed them. As an example, once I finished the paperwork at closing I was maybe waiting for 5 minutes for loan to go through, just long enough to take a picture. Thank you Kam and I will certainly be referring you to my friends and family. "
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.