Whether you are looking to purchase a home or refinance the one you have, NFM offers a broad range of loan products to meet your ever-changing needs. Our Mortgage Specialists will work one-on-one with you to assess your financial qualifications and help determine your long and short-term goals. This process is especially helpful when choosing the best loan product. Evaluating these factors will allow you to explore your options in detail and make an informed choice.

Below are the most popular loan programs offered by NFM.

• FHA
  We offer residential mortgage loans insured by the Federal Housing Administration (FHA). FHA-insured loans offer many benefits, including lower costs, smaller down payments, easier qualification, and more protection to keep your home.
• VA
  The VA loan program can make it much easier for veterans to secure a home loan by requiring little or no down payment. This home loan is available to veterans and guaranteed by the U.S. Veteran's Administration, and it frequently offers lower interest rates than ordinarily available. In addition, with a VA-guaranteed loan, there is no private mortgage insurance requirement.
• GSE Conforming-Jumbo
  Government Sponsored Entities, Fannie Mae and Freddie Mac, new conforming-jumbo loan limits make it easier and more affordable for more buyers to "move up" and purchase higher-value homes, or save substantially by refinancing their jumbo loan. Lower FICO score and down payment requirements, lower-than-jumbo rates, and loans amounts of up to $729,750 in some areas create a powerful alternative to a traditional jumbo loan.
• State and Local Bond Programs
  Many municipalities have established bond programs to help first-time home buyers with down payment assistance, obtaining a lower rate, and qualifying more easily for a home loan.

If you don't see what you are looking for, please contact us or find our loan officers. We have more loan programs that are not listed here that may be of interest to you.