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 Jack T, Tampa, FL
"Michael was very diligent and professional. His work was very timely and made it easy on my part. "
Reviewed by Miles M, Tampa, FL
"It was a smooth and simple process. They were able to help with all my questions and made it especially easy for me as a first time home buyer. Would highly recommend NFM for any first time home buyer unsure of which route to take for their lending needs"
Reviewed by Afsatu B, Sarasota, FL
" Michael went above and beyond in making my home buying process quick and seamless. I have had the best experience as a first time home owner. "
Reviewed by Tracy E, Palm Harbor, FL
"Michael was wonderful, everything about our experience was exceptional. He worked closely with us to get my credit score where it needed to be. We couldn't be in our dream home without his guidance. "
Reviewed by Phillip G, Palm Harbor, FL
"Michael & the Team did a great job for us. He is a good communicator & professional in all his dealings with us. We highly recommend Michael & the NFM Team."
Reviewed by Chad C, Tampa, FL
"Michael is very transparent and helpful. As a first time home buyer, it can be difficult to understand the home buying process. Michael helped smooth that process out for us. "
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.
Michael Holzum Jr
Mortgage Loan Originator