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 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. "
Reviewed by Dustin J, Saint Petersburg, FL
"Extremely knowledgeable and always available to answer questions. He worked very hard to accommodate us with everything we needed, ranging from loan information and various options."
Reviewed by Mario C, De Leon Springs, FL
"Anytime time I had a question I would just pick up my phone and call/text Michael and within minutes (if not seconds) I would get a respond. "
Reviewed by John G, Tampa, FL
"Michael and all of the staff at NFM were knowledgeable, helpful, patient and always available and ready to answer any of my questions or concerns. As a first time buyer, they made the process less stressful and it was a pleasure working with them. Thanks to Michael and everyone at NFM!"
Reviewed by Daniel S, Port Richey, FL
"We were buying our first house, and almost didn't go through with it at times, thinking it was overwhelming. But Michael coached us through it easily, and helped encourage us to keep at it. He was knowledgeable, very friendly, and extremely helpful. "
Reviewed by Shunhua P, Naples, FL
"Fast, details, great follow up, never give up"
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