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 L, Belleair Bluffs, FL
"From offer to close was 17 total days. That's with 2 counter offers and changing loan from VA to conventional in the middle of the process. That says a lot. Steve was accessible evenings, weekends and early mornings. A true professional. Will be customer for life."
Reviewed by KeyLyn R, Clearwater, FL
"Steve was great to work with! He always responded promptly and kept us updated and informed throughout the entire process. Thank you!"
Reviewed by Dinita J, Pinellas Park, FL
"This application process was so fast and easy I just couldn't believe how quickly I was able to close on my loan. Every other lender I had spoken to was not offering the lowest interest rate possible even though I have excellent credit. I was also kept informed about every single stage in the process of my application and instructional videos showed me what to expect during the process. I couldn't have had a better experience!"
Reviewed by Shayna D, Clearwater, FL
"Steve was very knowledgeable and he was also very responsive even after hours."
Reviewed by Robert T, Pinellas Park, FL
"Steve with NFM has been amazing in helping us through our home-buying process. Also, our experience was very personalized and friendly. Highly recommended!"
Reviewed by Jennifer N, Pinellas Park, FL
"Steve was very helpful and knowledgeable throughout the entire process."
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.
FL# LO9183; GA# 43683; IN# 25589; NC# I-161830