NFM Lending is proud to honor our first responders this holiday season with exclusive savings. For a limited time, eligible local heroes can enjoy a special incentive, 1% below market interest rate* for the first year on a new home purchase!
How it works:
Email sandellteam@nfmlending.com with the subject line “First Responder” or call our sales hotline at (888) 691-9979. Be sure to mention how you heard about us.
That’s it! We’ll connect you with a member of our lending team and make sure you get the hero treatment this holiday season and beyond.
*For a limited time, NFM Lending, Inc. (FN) is offering to buy down the Market Interest Rate by 1% on the purchase of a new home (the “Promotion”). Offer is valid on new contracts entered into between 11/26/2025 and closing by 12/31/2025. For purposes of the Promotion, “Market Interest Rate” refers to NFM Lending, Inc. (FN) standard interest rate for a Conventional, FHA, or VA loan (as applicable) with no discount points or lender credits (or, if such rate is unavailable, the rate with the fewest discount points and no lender credits), after adjustment for Loan Level Pricing Adjustments based on an eligible borrower’s individual qualifications such as credit score, loan-to-value ratio, occupancy, and property type (the “Adjusted Base Rate”). At closing, NFM Lending, Inc. (FN) will contribute a closing cost credit equal to the discount points required to reduce the Adjusted Base Rate by up to 1%. The final Adjusted Base Rate will depend on market conditions the Market Interest Rate, calculated at the time of rate lock. The total contribution by NFM Lending, Inc. (FN) is subject to maximum Interested Party Contributions limits under the applicable loan program guidelines. If the applicable contribution limit is less than the amount required to achieve a full 1% rate reduction, the interest rate will be reduced by the maximum amount permitted, which may be less than 1%. Eligible borrowers must meet the following baseline requirements: (a) if a Conventional loan, 10% down payment or more, and occupancy as a primary residence or second home; (b) if a FHA loan, 3.50% down payment or more, and occupancy as a primary residence; or (c) if a VA loan, 0% down payment or more, and occupancy as a primary residence.
NFM Lending is not affiliated with any real estate companies. You are entitled to shop around for the best lender/real estate company for you. The real estate agent is not a mortgage lender. Contact NFM Lending directly to learn more about their mortgage programs and your eligibility for such programs.
MLO licensing information NMLS #221731. NFM Lending- Western Division is a division of NFM Lending, LLC. NFM Lending, LLC. is licensed in: AZ #0934973; MLOs and company are CA licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. CA #6039416 and #4131349 (www.nmlsconsumeraccess.org). For NFM Lending, LLC's full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM Lending, LLC's NMLS #2893 (www.nmlsconsumeraccess.org). NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Equal housing lender www.nfmlending.com. Copyright © 2025. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.
