NFM Lending · Columbus, OH
Loan Programs for Every Borrower
Whether you're buying your first home, serving our country, or have a complex financial profile — we have a loan solution built for you.
Conventional Loans
The go-to choice for buyers with solid credit and stable income. Conventional loans offer flexible terms, competitive rates, and no upfront mortgage insurance with 20% down.
- Down payments as low as 3%
- Fixed and adjustable rate options
- Loan amounts up to conforming limits
- Great for move-up buyers and refinances
Ideal for: Buyers with good credit (620+) and steady employment history.
FHA Loans
Backed by the Federal Housing Administration, FHA loans are a great alternative to conventional financing — especially for buyers with lower credit scores or limited savings.
- Down payments as low as 3.5%
- Credit scores as low as 580 considered
- Flexible debt-to-income guidelines
- Great for recent credit incidents
- Available for purchase and refinance
Ideal for: First-time buyers and those rebuilding credit who need more flexible qualifying guidelines.
VA Loans
A powerful benefit earned through service. VA loans offer zero down payment, no private mortgage insurance, and some of the most competitive rates available — exclusively for those who've served.
- Zero down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit and income guidelines
- Available for purchase, refinance, and cash-out
Ideal for: Veterans, active-duty service members, and eligible surviving spouses.
Portfolio Programs
Not every borrower fits a standard mold — and that's okay. Portfolio programs are in-house loan solutions designed for clients with unique income situations, self-employment, or non-traditional financial profiles.
- Bank statement loans for self-employed borrowers
- Asset-based income qualification
- Flexible documentation requirements
- Higher loan amounts available
- Solutions for complex financial profiles
Ideal for: Self-employed borrowers, investors, and clients whose income doesn't fit conventional guidelines.
First-Time Buyer Programs
Buying your first home is a big deal — and you deserve a lender who makes it feel manageable. We specialize in guiding first-time buyers through every step with patience, clarity, and the right loan.
- Down payment assistance programs available
- Ohio Housing Finance Agency (OHFA) loans
- Education and guidance throughout the process
- Low down payment options
- Competitive rates for qualifying buyers
Ideal for: Anyone purchasing their first home who wants expert guidance and access to down payment assistance.
Refinance
Already own a home? A refinance could lower your monthly payment, shorten your loan term, or unlock equity you've built. We'll run the numbers and tell you honestly if it makes sense.
- Rate-and-term refinance to lower your payment
- Cash-out refinance to access home equity
- Streamline refinance options for FHA and VA
- No-cost refinance options available
- Fast turnaround and clear communication
Ideal for: Current homeowners looking to reduce their rate, access equity, or change their loan term.
Not Sure Which Program Is Right for You?
That's exactly what I'm here for. Let's talk through your situation and find the loan that fits your goals, timeline, and budget.