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 Jonathon T, Monticello, FL
"Elysia and her team were absolutely amazing through the whole process. Many Kudos to them!! "
Reviewed by Conchita M, Jacksonville, FL
"Elysia was my Loan Consultant and made this a smooth experience. She was very detailed throughout the whole process and would always respond to my questions in such a timely manner, I felt constantly assisted by her. She also sent me updates on the milestones reached during the loan process and what the next step would be to keep me posted. I recommend Elysia Stobbe and her team-Brandy and Danielle for anyone wishing to purchase their dream home!"
Reviewed by Eleanor J, Jacksonville, FL
Reviewed by Ronald F, Jacksonville, FL
"I did find it very stressful I did not realize so much paperwork. One thing that would really help is letting all financial institutions that buyer/seller deal with communicate with each other. Allow lender to get records direct. No more constant faxing etc. that would help. I did feel that ours was handled very professionally and had confidence in in them. "
Reviewed by Elizabeth M, Jacksonville, FL
"Elysia, Joann, Danielle, and Brandy were outstanding. Someone was always available to answer my questions. I felt like they really cared about me. "
Reviewed by Christina M, Jacksonville, FL
"She is extremely knowledgeable, professional and was able to find a solution for our financial needs. We highly recommend her. "
Reviewed by Tomas K, Jacksonville, FL
"A slick process from start to finish."
Reviewed by Christina E, Baltimore, MD
"Excellent customer service, follow up and expertise!"
Reviewed by Fatima L, Jacksonville, FL
"Many Thanks to Elysia, JoAnn, and Danielle!! The Team at NFM Lending made purchasing our new home hassle free and awesome. From the beginning to the end they were professional, efficient and utilized technology to easy stress from us of having to worry about taking time off to meet each document, disclosure signing deadline to move forward in the home purchase process. Communication was personal and genuine to make our homeownership funding a positive reality ."
Reviewed by Michael J, Ponte Vedra Beach, FL
"Elysia was unbelievable! We had tried for 6 months or so to purchase a condo and she always jumped through hoops to get us approval letters at different purchase price offers to give us the best chance to win. She even helped us with these approval letters on two Sundays great great customer service we really appreciate her help in crafting the deal."
Reviewed by Diane C, Ponte Vedra Beach, FL
"Easy step by step process & great service!"
Reviewed by James M, Saint Augustine, FL
" Elysia was excellent through this entire process. Every question that we had, Elysia had an answer. We never had any concerns as Elysia was constantly in contact with us throughout the entire homebuying experience. I would highly recommend Elysia to anyone in need of funding for the housing loan!"
Reviewed by Kathleen D, Palm Coast, FL
"Everything happened quickly and smoothly. Elysia was great about keeping me updated on the process. I was amazed at what a great experience I had. It makes everything less stressful when you have someone you can trust on your side! My loan fits my needs perfectly and she saved me time and money! I can’t recommend her enough! Simply the best!"
Reviewed by Elizabeth A, Ponte Vedra Beach, FL
"Elysia was absolutely top notch throughout our entire process, as was JoAnn! They are incredibly focused on serving their customers at all hours of the day or night. Not only are they there for every question but they are both extremely positive and uplifting each time you talk to them. I have already recommended Elysia to others and will continue to do so as she is nothing short of the VERY BEST to work with!!"
Reviewed by Amanda N, Jacksonville, FL
"Elysia was very efficient and professional, but she also took the time to explain everything that I needed done. Whether you are a first time home buyer, like me, or just someone who wants to be in their new home quickly I would recommend using Elysia Stobbe!"
Reviewed by Milo J, Saint Johns, FL
"Elysia Stobbe and JoAnn Stewart are true professionals! They are extremely detail oriented and worked with me through every step of the way. My closing was extremely easy and fast. This by far is the best house purchase experience I have ever had. I will definitely work with them for any future mortgage needs."
Reviewed by Barry S
"It was the easiest time I have had acquiring a home loan. I've done several in the past and this was the most efficient well organized application process."
Reviewed by Shawnetta L, Jacksonville, FL
"Elysia is a very thorough person. Between her and Joann, this process was made easy. I appreciate them being available when I had a question whether it was the weekday or weekend. I also appreciate their patience. This is my first time buying a house and I really didn't understand the process. With their guidance each step was simplified being mostly all paperwork was electronic and simple. I would recommend NFM Lending to my family and friends."
Reviewed by Jesse V, Orange Park, FL
"Since this was our first home buying experience, we were super nervous and unfamiliar with the process. Elysia and her team educated us and took a lot of the stress away by providing constant communication and guidance, from everything to the realtor, insurance, VA and more. My wife and I are extremely happy with how everything worked out."
Reviewed by Moneek L
"Elysia was a huge asset to have during our first time home purchase. We had a unique situation of purchasing a current rental and she was able to give us advice in many areas. She worked with our realtor to make sure everything was organized and we felt like she went above & beyond to make sure we felt comfortable with every step. Her team kept us on track with paperwork and everything was a smooth process online. Our closing was quick and easy! "
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.
Maria Elysia Stobbe
CA-DOC146751; DC #MLO146751; FL # LO287; GA #30260; MD #15338; NC #I-136974; SC #LO 146751; TN #115144; VA #MLO-8607VA (www.nmlsconsumeraccess.org)