T.J. Lovejoy - NFM Lending

T.J. Lovejoy - NFM Lending T.J. Lovejoy - Mortgage Loan Originator - NMLS # 1762389
AZ # BK-0934973
NFM, Inc. dba NFM Lending - NMLS #2893 (www.nmlsconsumeraccess.org)
Equal Housing Lender

Closing costs caught you off guard? You are not alone.Many buyers focus on the down payment and forget about the fees th...
09/02/2026

Closing costs caught you off guard? You are not alone.

Many buyers focus on the down payment and forget about the fees that come with it. Swipe to break down exactly what closing costs are, what is included, and how to reduce them.

Thinking about refinancing before the season shifts? Here’s what’s worth considering before you make that move. Contact ...
08/31/2026

Thinking about refinancing before the season shifts? Here’s what’s worth considering before you make that move.

Contact me today for more information and tips!

A fall closing starts with summer prep. If buying is on your radar for later this year, here’s the checklist to start wo...
08/27/2026

A fall closing starts with summer prep. If buying is on your radar for later this year, here’s the checklist to start working through now.

Questions about any step? That’s what I’m here for.

Mortgage rates aren’t one-size-fits-all. Here’s why quotes vary, what factors into yours, and how to read what you’re re...
08/19/2026

Mortgage rates aren’t one-size-fits-all. Here’s why quotes vary, what factors into yours, and how to read what you’re really being offered. Save this for when you’re ready to buy.

Ever wondered what actually happens during a home appraisal? Here’s the quick version. Save this for your homebuying che...
08/17/2026

Ever wondered what actually happens during a home appraisal? Here’s the quick version. Save this for your homebuying checklist.

Fixed-rate or adjustable-rate? The right answer depends less on the market and more on your plans. Here’s the quick brea...
08/13/2026

Fixed-rate or adjustable-rate? The right answer depends less on the market and more on your plans. Here’s the quick breakdown.

Save this for when you start comparing loan options, and reach out anytime with questions.

Think a mortgage isn’t in the cards because your income doesn’t look “traditional”? That’s exactly why Non-QM loans are ...
08/07/2026

Think a mortgage isn’t in the cards because your income doesn’t look “traditional”? That’s exactly why Non-QM loans are designed for.

Swipe through to learn the basics. Contact me to learn more!

Be honest, when did you last actually read your homeowner’s insurance policy? If the answer is “when I bought my house”,...
08/05/2026

Be honest, when did you last actually read your homeowner’s insurance policy? If the answer is “when I bought my house”, this one’s for you. August is the perfect excuse for a quick mid-year checkup. Swipe for what to look for.

Thinking about moving with kids? Now is the time to start planning for the 2027 school year. Timing your home purchase a...
08/03/2026

Thinking about moving with kids? Now is the time to start planning for the 2027 school year.

Timing your home purchase around the school calendar can make the transition so much smoother for the whole family. Whether you want to be settled before the first day of school or take advantage of winter or spring break to make the move, having a plan early gives you options. Contact me to get started!

Mortgage points, also referred to as discount points, allow you to pay upfront to lower your interest rate. One point eq...
07/29/2026

Mortgage points, also referred to as discount points, allow you to pay upfront to lower your interest rate.

One point equals 1% of the loan amount. Whether it is worth it depends on your break-even timeline and how long you plan to stay in the home to recoup the cost. Let us run the numbers for you!

Address

Chandler, AZ

Telephone

+14803782632

Website

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