NFM Lending offers a variety of loan programs to suit different needs:

1. Conventional Loans: These are traditional mortgages that follow the guidelines set by Fannie Mae and Freddie Mac. They typically require a down payment of at least 3% and have flexible terms.

2. FHA Loans: Backed by the Federal Housing Administration, FHA loans are popular for their lower down payment requirements (as low as 3.5%) and more lenient credit qualifications. These loans are ideal for first-time homebuyers.

3. VA Loans: Designed for active-duty military personnel, veterans, and their eligible spouses, VA loans offer favorable terms such as no down payment and no private mortgage insurance. They help make homeownership more accessible to those who have served in the military.

4. USDA Loans: Aimed at rural and suburban homebuyers who meet income and location eligibility requirements, USDA loans provide 100% financing options with low interest rates and no down payment necessary.

5. Jumbo Loans: For those seeking to purchase luxury homes or properties in high-cost areas, jumbo loans exceed the conforming loan limits established by Fannie Mae and Freddie Mac. These loans offer flexible terms to accommodate larger loan amounts.

6. Renovation Loans: NFM Lending offers various renovation loan programs, such as the FHA 203(k) loan, which combines the purchase price and renovation costs into a single mortgage. These loans are ideal for borrowers looking to finance home improvements or repairs.

7. Reverse Mortgages: Exclusive to homeowners aged 62 and older, reverse mortgages allow seniors to convert a portion of their home equity into cash without immediately selling their home. They can receive loan proceeds in a lump sum, monthly installments, or a line of credit.

8. Specialty Financing: NFM Lending provides specialized loan programs for specific circumstances, including physician loans, construction loans, and loans for investment properties. These programs cater to unique financial situations and investment goals.

Please note that eligibility criteria, terms, and conditions may apply for each loan program. It is advisable to contact NFM Lending directly or visit their website for more detailed information and to determine qualification requirements specific to your situation.