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Heidi Gage at NFM Lending
Renovation Loan Manager/Loan Originator | NMLS# 21...

I have over 30 years of experience in the mortgage industry, with a variety of mortgage loans, and I specialize in the Renovation loan programs backed by Fannie Mae, FHA, and VA. While I love renovation loans, I also offer Conventional, Jum... Show More
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Incredibly helpful throughout the entire mortgage process, always readily available to answer questions and explain complex details clearly. They went above and beyond to secure us the best possible rate and ensured a smooth closing, making...
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Reply from Heidi Gage
December 7th, 2024 06:42 PM
Thank you so much for your positive feedback, Dana. I'm thrilled to hear that you were satisfied with the service provided by myself and the entire NFM Lending team. Our aim is to make the mortgage process as straightforward and stress-free...
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Heidi and Michael were a pleasure to work with they made the process smooth and enjoyable in the future, I will make sure to utilize this team and refer to friends and family thank you!
Reply from Heidi Gage
December 3rd, 2024 05:16 PM
Thank you so much, Chelsea, for the wonderful review and the perfect rating! I'm elated to hear you had a smooth and enjoyable experience with Michael and myself. We strive to make the lending process as seamless and enjoyable as possible for...
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Great communicatio, worked promptly
Reply from Heidi Gage
December 3rd, 2024 05:08 PM
Thrilled to hear your positive feedback, Chester! Your kind words reinforce why we do what we do at NFM Lending. I'm glad you appreciated the prompt communication, as we strive to make the loan process as smooth and efficient as possible. Looking...
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overall it has been a pleasurable experience working with this loan team, there was a hiccup on the day of closing due to a miss on the type of flood insurance required by underwriting but Heidi and team did a grear job getting this resolved,...
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Reply from Heidi Gage
November 8th, 2024 02:00 PM
Thank you, Joseph, for taking the time to leave a review and rating. It's great to hear about your overall positive experience with our loan team at NFM Lending. I'm sorry for the hiccup on the day of closing related to the type of flood insurance...
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My timeline was down to the wire when I contacted the lender. Heidi was able to process everything faster than anywhere else and a with better quality!
Reply from Heidi Gage
November 4th, 2024 10:44 PM
I'm thrilled to hear about your positive experience, Janna! Making sure your lending process was both quick and high quality was a top priority for me. It's great to know that I was able to meet your timeline. I'm here at NFM Lending if you...
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I was satisfied with everything great communication
thanks again for your service .
Reply from Heidi Gage
November 4th, 2024 01:49 PM
I'm thrilled to hear that you were satisfied with the service, Frenel. Communication is a key factor in our work here at NFM Lending, and I'm glad to know that it played a significant role during our interaction. Thank you for your positive...
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I started working with Trent Riggs on a conventional loan after recommendation from my realtor, Amanda Chalupa from Benton Realty Group. From the beginning Trent was very responsive, knowledgeable and helpful. I asked him about adding some...
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Reply from Heidi Gage
November 4th, 2024 01:51 PM
Thank you so much for your detailed review, Keith. It was a pleasure to assist you in securing a renovation loan for your new home. I'm glad to hear that you appreciated the guidance Trent and I provided and that we could help make the process...
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My husband worked with Heidi the most, but from the few interactions I had, she was very friendly, very responsive, and answered all of our many questions. We really appreciate it!
Reply from Heidi Gage
November 4th, 2024 01:51 PM
Thank you so much for your kind review, Alyssa! It was wonderful working with your husband and I'm glad I could assist with all of your questions. I'm here any time you need help in the future. I appreciate you choosing NFM Lending for your...
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Heidi kept us on track and followed up when needed. She dodged and weaved a couple of speed bumps along the way, but got us to closing.
Reply from Heidi Gage
October 17th, 2024 07:12 PM
I'm truly grateful for your kind words, Jason. I'm so glad to hear that you appreciated my commitment to keeping us on track and addressing any obstacles that came our way. It was my pleasure to assist you throughout the process and get you...
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I had a smooth experience with great communication and we closed on time ,I don’t have any complaints
Reply from Heidi Gage
October 17th, 2024 07:13 PM
I'm thrilled to hear about your smooth experience and timely closing, Julian! Your positive feedback means the world to me. I strive to maintain clear communication with my clients at NFM Lending and it's wonderful to know that it made a difference...
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About
I have over 30 years of experience in the mortgage industry, with a variety of mortgage loans, and I specialize in the Renovation loan programs backed by Fannie Mae, FHA, and VA. While I love renovation loans, I also offer Conventional, Jumbo, FHA, VA, USDA, and the Maryland Mortgage Program. With an extensive product array, I consult with my clients and give them a variety of options for financing their home. My background in processing and closing taught me that a smooth loan process and an on-time closing are just as important as a competitive interest rate which is why I provide detailed communication throughout the loan process, with clear timelines upfront and milestone loan updates throughout the loan process.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Construction Loan
Fixed Rate Mortgages
Adjustable Rate Mortgages
Specialities
FHA
Purchase and Refinance
Renovation Loans - FHA, VA, Conventional
Renovation Loan Financing for Purchase
Renovation Loan Financing for Refinance
Fannie Mae Homestyle
FHA 203(k) Standard and Limited
VA Renovation
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Positions
- NFM Lending - Renovation Loan ManagerSep 10th, 2021 - Current
- Movement Mortgage - Regional Renovation ManagerNov 1st, 2013 - Sep 1st, 2021
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Memberships
- GBBR
- WCR
- NAR
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1997
Time Zone
Central Standard Time (CST)
Licenses
- NMLS# 213769
Videos
Achievements
- Top 1% Mortgage Originator - Mortgage Executive Magazine
Hobbies
- Travel
- Renovations
- Horses
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Disclaimer
NFM Lending, LLC does business as NFM Lending. NFM Lending, LLC’s Nationwide Mortgage Licensing System (NMLS) Company Identifier Number is 2893 (https://www.nmlsconsumeraccess.org) For additional licensing information, please visit: https://www.nfmlending.com/licensing/. NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Copyright © 2026.