NFM Lending · Lender
NFM Lending
Review published mortgage options and requirements, then request a personalized quote from the lender.
At a glance
- Property use
- Primary residence
- Credit requirement
- Credit Score: 580+ for 3.5% down, or 500-579 for 10% down.
Still to confirm: Borrower type, Reserves.
Our take: Pros & Cons
What we like
- The FHA page lists 3.5% down with credit scores of 580 or higher, and 10% down for scores of 500–579.
- FHA options include eligible single-family homes, condos, townhomes, two-to-four-unit properties, modular and manufactured homes.
What to consider
- The property must be a primary residence and pass FHA appraisal standards.
- Down payment depends on credit score; the eligibility section lists 3.5% to 10% or more.
- The published DTI guideline is ideally 43% or less, with possible compensating-factor exceptions.
AI-generated lender-level assessment based on published information. Not a verified assessment of FHA; confirm program-specific conditions below.
Additional lender considerations
- Two years of work history is described as the gold standard with possible exceptions; consult a loan officer.
Newcomer requirements
FHA
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Minimum credit score
- Credit Score: 580+ for 3.5% down, or 500-579 for 10% down.
- Minimum down payment
- Down Payment: 3.5% to 10+% depending on your credit score.
- Employment documentation
- Steady Income: Two years of work history is the gold standard, but there may be exceptions; ask your loan officer!
- Property restrictions
- Published conditions apply. Read the full lender requirements below before applying.
- Occupancy
- Primary residence
View full lender requirements
- Minimum credit score
- Credit Score: 580+ for 3.5% down, or 500-579 for 10% down.
- Minimum down payment
- Down Payment: 3.5% to 10+% depending on your credit score.
- Employment documentation
- Steady Income: Two years of work history is the gold standard, but there may be exceptions; ask your loan officer!
- Property restrictions
- Property: Must be your primary residence and pass FHA appraisal standards. FHA isn’t just for single-family homes. You can use an FHA loan for condos, townhomes, 2-4 unit properties, modular, and manufactured homes (as long as they meet FHA standards).
- Occupancy
- Primary residence
- Other conditions
- Debt-to-Income Ratio (DTI): Ideally 43% or less, but may allow higher ratios with compensating factors.
Questions to confirm with the lender (11)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Income documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
FHA
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
FHA
- Steady Income: Two years of work history is the gold standard, but there may be exceptions; ask your loan officer!
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
NFM Lending offers FHA mortgages for primary residences, with published credit-score and down-payment tiers, flexible qualification conditions and FHA property standards. Specific loan approval remains subject to lender underwriting.
Legal lender: NFM Lending, LLC
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 2893
More lender directory information
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Nov 4, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.