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 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"
Reviewed by John W, Port Richey, FL
"He was able to help with our financing and was available when we needed him even on the weekends and vacation. He answered all of our questions and concerns. I would highly recommend him to others"
Reviewed by Patty P, New Port Richey, FL
"The hole team was excellent And a pleasure to work with and gave step by step.."
Reviewed by Craig L, Tampa, FL
"If you are looking for personalized service from a dedicated professional, you are looking for Michael. He makes time, often at all hours, and looks to find solutions to any challenges you may face when going through the process of funding your home purchase. He handled it all with aplomb...buying a house these days is not easy with the new guidelines, but Michael makes it possible and enjoyable."
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