Kameron Garms - Home Loans

Kameron Garms - Home Loans Kameron Garms: Loan Officer NMLS #322480
NFM, Inc dba NFM Lending-NMLS #2893
NFM Equal Housing Lender

Spring homebuying season is here! 🌷🏡 Thinking about buying this year? Now’s the perfect time to explore your loan option...
03/04/2026

Spring homebuying season is here! 🌷🏡

Thinking about buying this year? Now’s the perfect time to explore your loan options and get the process started.

Want a smooth home buying ride? 🏡 Lenders will want to see proof of income, assets, credit, employment, ID… and maybe a ...
02/24/2026

Want a smooth home buying ride? 🏡 Lenders will want to see proof of income, assets, credit, employment, ID… and maybe a few extra docs depending on your situation!

Gather paperwork early and keep your journey stress-free.

✨ Ready to get started?

Contingencies are home-buying safety net. Things like inspections 🛠, financing 💰, and appraisals 📊 that give you an “out...
02/20/2026

Contingencies are home-buying safety net. Things like inspections 🛠, financing 💰, and appraisals 📊 that give you an “out” if something doesn’t check out. They help protect you before you fully commit (because surprises aren’t fun 😅)

Always review your contract and ask which contingencies make sense for you!

30-year loan = lower monthly payments, but more interest over time. 15-year loan = higher payments, but major interest s...
02/16/2026

30-year loan = lower monthly payments, but more interest over time. 15-year loan = higher payments, but major interest savings!

The right loan term depends on your budget and long-term goals.

👉 Let’s break down the numbers and find what fits you best!

Principal is the amount you borrow 💰. Interest is the cost of borrowing it 📊. Early in your loan, more of your payment g...
02/12/2026

Principal is the amount you borrow 💰. Interest is the cost of borrowing it 📊.

Early in your loan, more of your payment goes toward interest but over time, more goes toward principal! Making extra principal payments can help you save on interest and pay off your loan faster.

👉 Want to see how your payments break down? Ask for a full loan snapshot!

Closing costs are the fees that finalize your mortgage and cover things like loan setup, appraisals, and insurance. Whil...
02/06/2026

Closing costs are the fees that finalize your mortgage and cover things like loan setup, appraisals, and insurance. While buyers typically pay most of these costs, some may be negotiable or offset with credits.

💡 Always review your Loan Estimate to see the full breakdown and avoid surprises!

Your down payment is the upfront cash toward your home purchase and it can come from savings, gift funds, or even assist...
02/04/2026

Your down payment is the upfront cash toward your home purchase and it can come from savings, gift funds, or even assistance programs. The good news? You don’t always need a large amount to get started. There are options for a variety of budgets!

👉 Reach out today to explore what options may work best for you.

February is the perfect time to prep for spring home shopping! 💡 Check your credit, set your budget, get pre-approved, a...
02/02/2026

February is the perfect time to prep for spring home shopping! 💡 Check your credit, set your budget, get pre-approved, and start building your wish list. A little preparation ow can lead to a smoother smarter home search later.

👉 Start your home-buying prep today!

Selling your home? Effective staging can make all the difference in attracting potential buyers and securing a great off...
01/30/2026

Selling your home? Effective staging can make all the difference in attracting potential buyers and securing a great offer.

Here are some tips to stage your home like a pro!

Thinking about downsizing your home? Whether you’re an empty nester or seeking a simpler lifestyle, downsizing can be a ...
01/26/2026

Thinking about downsizing your home? Whether you’re an empty nester or seeking a simpler lifestyle, downsizing can be a rewarding experience. Downsizing is an opportunity to create a home that truly reflects your current lifestyle and priorities.

Ready to make the move? Contact us today!

When buying a home, you might encounter the term ‘mortgage insurance’. It’s an important aspect of the mortgage process,...
01/22/2026

When buying a home, you might encounter the term ‘mortgage insurance’. It’s an important aspect of the mortgage process, especially for those with smaller down payments.

Have questions about mortgage insurance or how it affects your home-buying process? Reach out to me for personalized advice and guidance.

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2207 W North A Street
Tampa, FL
33606

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