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 Rigert B, Largo, FL
" Zenaida and the team were very Pleasant to work with, family like. Everyone was extremely timely with responding and went above and beyond to make the process as smooth as possible for my first home. Even when an issue would arise, she would take her time well beyond normal work hours to communicate with me. I would highly recommend a dear friend to work with her in the future as a referral, which I’ve already done one referral."
Reviewed by Hosea D, Clearwater, FL
Reviewed by Yurima R, Tampa, FL
"Quick, responsable and it was very nice with customer."
Reviewed by Karen N, Saint Petersburg, FL
"Zenaida made buying a home for the first time a great experience. She was readily available for any question, was always a phone call/ text away. I would recommend her and her team to any home buyer"
Reviewed by Lee G, Saint Petersburg, FL
"Zenaida was amazing to work with. She kelp me updated, stayed in contact to see if I needed anything. Zenaida was very professional with a very trustful and friendly disposition. Zenaida always had my best interest in mind with all decision affecting me. I hope I get to work with her again in the future. "
Reviewed by Chanel E, Clermont, FL
"Zenaida is the best loan originator!!!! From pre- approval to closing she assisted us every step of the way, answered our every question and if she didn't know she found it. I would work with her again and again and have referred her to several friends and family already. Thank you for everything and it was a pleasure working with you. ~C.W"
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.
Mortgage Loan Originator