Stephen Groff - NFM Lending

Stephen Groff - NFM Lending Stephen Groff - Mortgage Loan Originator - NMLS #1881028
NFM Lending NMLS #2893 Equal Housing Lender

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!

Ready to save for a home like a pro? Small habits can make a big difference over time. Swipe through for easy tips and r...
07/27/2026

Ready to save for a home like a pro? Small habits can make a big difference over time.

Swipe through for easy tips and reach out if you want help building your plan!

Not sure if you are ready to buy a home? These five signs can help you get a clearer idea of where you stand and what st...
07/23/2026

Not sure if you are ready to buy a home? These five signs can help you get a clearer idea of where you stand and what steps can move you closer to homeownership.

Ready to take the next step? Reach out today.

Address

940 Hilltop Drive Suite A
Redding, CA
96002

Telephone

+15305241201

Website

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