The Miltenberger Team - NFM Lending

The Miltenberger Team - NFM Lending Let us help you achieve your real estate goals! With more than 100 years of combined experience in mortgage lending, we have seen it all! NFM, Inc.

https://bp.nfmlending.com/prequal/jmiltenberger
Senior Loan Officer, Jeff Miltenberger NMLS #108278
NFM Lending NMLS #2893 | Equal Housing Lender The one thing that continues to motivate us, is working with clients and helping them achieve their real estate goals. Knowledge and communication is the key to a successful homebuying experience and that is my team’s main focus. We ensure all our clien

ts know and understand all available options. Our experienced, hard-working team works closely with the client and keeps all parties informed from the application to the closing of the loan. Our goal is to make the process as seamless and stress-free as possible. We pride ourselves on always having someone available when you need us. We do it all - from Conventional, FHA, FHA 203K Streamlines, VA, WA State Bond, all the way to Non-Traditionally Qualifying programs (Bank Statement, Cash Flow, etc.). From First-Time Home Buyers to seasoned homeowner/investors. Our goal is to help you understand the process all the while getting the best deal, and closing on time. We look forward to talking with you soon! I am authorized to conduct business in WA, AK, AL, AZ, CA, CO, FL, GA, HI, ID, IL, KY, MO, MN, MS, MT, NC, NE, NV, OH, OK, OR, SC, SD, TN, & TX. Jeff Miltenberger Sr Loan Officer NMLS #108278
Equal Housing Lender. MLO State Licensing Information AZ 917685, CA DOC108278, CO 100017613, FL # LO97921, GA 108278, HI # HI-108278, ID MLO21521, IL 031.0078818, MN # MN-MLO-108278, NV MLO70302, NC #
I-207023, OH # MLO-OH.108278, OK # MLO27386, OR 108278, TN - 108278, TX, WA MLO108278. 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. A pre-approval is a preliminary verification of your credit and assets and not a guarantee that you will be approved for a mortgage loan. This is not a credit decision or a commitment to lend. Eligibility is subject to the completion of an application and verification of home ownership, occupancy, title, income, employment, credit, home value, collateral, and underwriting requirements. Make sure you understand the features associated with the loan program you choose, and that it meets your unique financial needs. d/b/a NFM Lending. For NFM, Inc.’s full agency and state licensing information, please visit www.nfmlending.com/licensing. NFM, Inc.’s NMLS #2893 (www.nmlsconsumeraccess.org). Licensing and Disclosure Information can be found at: https://nfmlending.com/texas-consumer-disclosure/. 9NFM, Inc. is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2023. NFM Lending is an Equal Housing Lender. All Loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

We have great news! The NFM Family of Lenders has once again been recognized by Scotsman Guide as a Top Mortgage Lender....
06/16/2026

We have great news! The NFM Family of Lenders has once again been recognized by Scotsman Guide as a Top Mortgage Lender. 🏡

This year, we earned outstanding rankings across several categories:
•Retail Lender
•Overall Lender
•FHA Lender
•VA Lender
These rankings are a tremendous accomplishment and a reflection of the hard work, dedication, and commitment shown by our employees across the organization. Every department, every team, and every individual has played a role in helping us reach this milestone. ✨

Our continued growth is no accident. It is the direct result of the passion you bring to your work, the care you show our customers and partners, and the consistency with which you deliver excellence every day. Achievements like this demonstrate not only how far we’ve come, but also the strength of the culture and teamwork that drive NFM forward.

Thank you for everything you do to make accomplishments like this possible. We have built this success together, and this recognition is something we should all be proud of.

Congratulations on this well-deserved honor — and thank you for continuing to make the NFM Family of Lenders a leader in our industry 🧑‍🧑‍🧒‍🧒

Tallahassee, FL | $350,000Out-of-state investing made simple 🌴📈This duplex investment property was financed using a DSCR...
06/15/2026

Tallahassee, FL | $350,000
Out-of-state investing made simple 🌴📈

This duplex investment property was financed using a DSCR investor loan, allowing the buyer to qualify based on the property’s income potential rather than traditional income documentation. Perfect solution for an out-of-state investor looking to expand their portfolio efficiently.

Big credit to the agents involved for helping coordinate a smooth long-distance transaction and keeping communication strong every step of the way. Investment deals take a team—and this one delivered 🙌
Buyers Agent: Kayla Meadows
Listing Agent: Bill Lord
Loan Originator: Eric Carlson

Kirkland, WA | $2,620,000Yes… a first-time homebuyer can buy a luxury home 👀🔥This incredible Kirkland purchase was struc...
06/12/2026

Kirkland, WA | $2,620,000
Yes… a first-time homebuyer can buy a luxury home 👀🔥
This incredible Kirkland purchase was structured with a Jumbo loan, 30% down, and a 21-day close—giving the sellers confidence in both speed and ex*****on. Clean structure + quick timeline helped create a highly competitive offer in a premium market.

Massive shoutout to the buyer’s agent and listing agent for their professionalism, responsiveness, and hard work getting this luxury transaction across the finish line. Exceptional teamwork all around 👏

Buyers agent: Gary Nims
Listing agent: Megan Halter
Loan Originator: Jeff Miltenberger

Snohomish, WA | $1,225,000Strong financing + strong terms = winning combination 💪This beautiful Snohomish home was secur...
06/10/2026

Snohomish, WA | $1,225,000
Strong financing + strong terms = winning combination 💪
This beautiful Snohomish home was secured with a 30% down Conventional loan, helping position our buyers as exceptionally strong in a competitive market. With low HOA dues and solid overall terms, this was a smart long-term win for our clients.

Huge shoutout to the buyer’s agent for putting together a compelling offer strategy and the listing agent for a smooth, professional transaction from mutual to closing. Teamwork like this is what gets deals DONE 👏🏡
Buyers Agent:
Listing agent:
Loan Officer:

Tomball, TX | $290,000A new home in Texas without having to sell first? That’s exactly what a bridge loan is designed to...
06/04/2026

Tomball, TX | $290,000
A new home in Texas without having to sell first? That’s exactly what a bridge loan is designed to do. 🤝🏡

Our clients were making a cross-country move and needed the flexibility to purchase their new home before their current home sold. By utilizing a Bridge Loan, we eliminated the pressure of a contingent offer and gave them the confidence to move on their timeline—not the market’s.

This strategy helped create a smoother transition, stronger buying position, and a lot less stress during a major life move.

A huge shoutout to the amazing buyer’s agent and listing agent who worked together to keep communication flowing and the transaction moving forward every step of the way. Relocation transactions can be complex, but great professionals make them feel effortless. 👏

Congratulations to our buyers on their beautiful new Texas home and exciting next chapter! 🎉🏡
Buyers agent: Dave Noel
Listing agent: Jen Nguyen
Loan Originator:
BuyBeforeYouSell

Higher mortgage rates don’t always mean home prices will drop. In many markets, low inventory and strong buyer demand co...
05/29/2026

Higher mortgage rates don’t always mean home prices will drop. In many markets, low inventory and strong buyer demand continue to keep prices elevated. Plus, many homeowners with low rates are choosing not to sell, limiting supply even more.
 
The good news? You don’t have to navigate this market alone. Working with experienced real estate and mortgage professionals can help you explore your options and make informed decisions based on your goals and local market conditions.

05/29/2026

Inflation hit its highest level since 2023.
The Iran conflict remains the biggest story driving markets.
And yet... mortgage rates improved.
So what gives?
This week, I break down why the market looked beyond the headline inflation numbers, how developments in the Middle East are influencing rates, and why a potential resolution could have a bigger impact on mortgage rates than the next round of economic reports.
I also discuss a surprising issue with the housing component of the CPI report and what it could mean for the market moving forward.
If you're buying, selling, investing, or simply trying to understand where rates may be headed next, this is one update you won't want to miss.
🎥 Watch this week's Quick Market Update and let me know your thoughts below.

Johns Island, SC | $418,500Helping first-time buyers win with the right strategy 🏡✨This purchase utilized down payment a...
05/29/2026

Johns Island, SC | $418,500
Helping first-time buyers win with the right strategy 🏡✨
This purchase utilized down payment assistance, helping our buyers become homeowners while keeping upfront costs manageable. Programs like this can be game changers when paired with the right guidance and planning. 🧭🗺️

Huge appreciation to the agents involved for educating, advocating, and helping make the dream of homeownership a reality for these buyers. Closings like this are the best kind 🙌
Buyers agent:
Listing agent:
Loan Originator:

Many May sellers are not just selling.They are buying again, too.In areas like Lynnwood, Boise, and Charleston, move-up ...
05/22/2026

Many May sellers are not just selling.

They are buying again, too.

In areas like Lynnwood, Boise, and Charleston, move-up buyers are balancing equity, payoff amounts, new payment estimates, and timing. A clear loan strategy helps connect the sale and purchase without guesswork.

DM me if you want to map out your move-up numbers. ⁣

Buying a condo this spring?The loan review goes beyond your finances.In markets like Honolulu and Saint Augustine, condo...
05/21/2026

Buying a condo this spring?

The loan review goes beyond your finances.

In markets like Honolulu and Saint Augustine, condo financing can depend on HOA documents, insurance, reserves, and occupancy details. Confirming the condo file early can prevent late surprises.

Send me a message if you are looking at a condo this spring. ⁣

Address

3400 188th Street SW, Ste 400
Lynnwood, WA
98037

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 5pm
Sunday 9am - 5pm

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