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 Jeanne H, North Chesterfield, VA
"I was kept informed and felt encouraged through each step in the process"
Reviewed by Brianna D, North Chesterfield, VA
"Sonya was very helpful and generous with her time and knowledge, making the process smooth and educational. She helped me find the best deals, and was very thorough in her process. I loved working with her."
Reviewed by Adam T
"Sonya was always one step ahead of everything. Very easy and fun to work with. Great communication and a Great Deal. 10/10 "
Reviewed by Tee M
"Sonya was very informative and available when I needed her. She returned phone calls or text messages promptly. She answered all of my questions and went above and beyond for my needs. Overall, Sonya and anyone else she referred me too, made my home buying process much easier. "
Reviewed by Pooja P
"Sonya and Candy were wonderful! I appreciate their expertise on financing a home. Thank you for all your help."
Reviewed by Nathan P
"The whole process couldn't have gone any smoother "
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.
Sonya St. Jacques
Mortgage Loan Originator