- Conventional Loans: Our company offers conventional loans, which are traditional mortgage loans that conform to the guidelines set by Fannie Mae and Freddie Mac. These loans usually require a higher credit score and a down payment of at least 3%.

- FHA Loans: We provide loans insured by the Federal Housing Administration (FHA). These loans are popular among first-time homebuyers and require a lower down payment, making homeownership more accessible. They have specific criteria regarding the borrower's credit score and debt-to-income ratio.

- VA Loans: NFM, Inc. offers VA loans, which are guaranteed by the U.S. Department of Veterans Affairs. These loans cater to eligible veterans, active-duty service members, and surviving spouses. VA loans offer benefits like no down payment requirement and flexible qualification guidelines.

- USDA Loans: Our company also provides USDA loans, backed by the U.S. Department of Agriculture. These loans aim to support borrowers in rural and suburban areas who meet income and property eligibility criteria. USDA loans offer low-interest rates and require no down payment.

- Jumbo Loans: NFM, Inc. offers jumbo loans for borrowers seeking financing beyond the limits set by conforming loan guidelines. These loans are suitable for purchasing high-value properties and often require a larger down payment and a strong credit profile.

- Construction Loans: We provide construction loans tailored to borrowers looking to build their dream home. These loans typically involve phased funding based on construction milestones and are converted into a permanent mortgage once the construction is completed.

- Renovation Loans: NFM, Inc. offers renovation loans designed for borrowers who wish to purchase or refinance a property requiring significant repairs or improvements. These loans provide funds to cover both the purchase or refinance amount and the renovation costs.

- Reverse Mortgages: We assist homeowners who are aged 62 or older with our reverse mortgage program. This loan allows eligible borrowers to convert a portion of their home equity into usable funds as either a lump sum, line of credit, or periodic payments while still residing in the home.

- Adjustable-Rate Mortgages (ARMs): NFM, Inc. provides adjustable-rate mortgages that offer an initial fixed interest rate for a specified period, followed by a variable rate that can adjust periodically. ARMs may be suitable for borrowers who plan to sell or refinance their home before the initial fixed-rate period ends.

- Home Equity Lines of Credit (HELOC): We offer HELOC loans, allowing homeowners to access funds based on the available equity in their property. HELOCs provide flexibility to borrow and repay multiple times within the draw period while using the home as collateral.