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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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Reviews from Web
Heidi was amazing through the whole process. She guided me and explained everything well. Heidi answered all of my questions and was very patient with me. I felt very supported during the whole process.
Reply from Heidi Gage
February 21st, 2026 05:36 PM
Ravon, I'm grateful for your kind review. It's reassuring to know that you felt supported and that I could provide the guidance and clarity needed throughout the process. Answering your questions and ensuring you're comfortable is important...
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Heidi and her team were brought into the transaction after another company was unable to meet the settlement date. Their ability to move the loan through processing and secure final approval for closing within such a limited timeframe was truly...
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Reply from Heidi Gage
February 9th, 2026 09:59 PM
Angela, I'm grateful for your thoughtful feedback. It's important to me to ensure a smooth process, especially when stepping in at a critical time. I’m pleased to hear that my communication and responsiveness helped bring the transaction to...
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Efficient, detailed and knowledgeable of her profession. Our experience and our clients experience was seamless. Will definitely work with her again.
Reply from Owner
February 1st, 2026 02:23 PM
Thanks for your wonderful feedback, Mario. I'm glad to know that you found my approach efficient and detailed. Ensuring a smooth experience for both you and your clients is always a top priority for me. I look forward to the opportunity to...
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After hearing that 203k loans were complicated and difficult I stayed away from them until recently when a client insisted on a particular home that required renovation. I was connected with Heidi for a phone conference call that went on time...
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Reply from Heidi Gage
January 6th, 2026 09:32 PM
Mario,This review is music to my ears! I'm glad to hear that the process was straightforward and that the timeline exceeded your expectations. I always aim to provide clear communication, and it's rewarding to know that my approach helped make...
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They have a great team, very professional. Thank you very much. 👍
Reply from Heidi Gage
January 6th, 2026 09:33 PM
Juan, I appreciate your feedback on my team and their professionalism. It's encouraging to know that our efforts are recognized. Thank you for taking the time to share your thoughts and for your trust in me at NFM Lending.
Heidi was great and was in constant communication with my wife and myself on everything that was needed to complete the loan and to ask any questions or concerns.
Reply from Heidi Gage
December 1st, 2025 02:56 PM
I'm glad you and your wife had a positive experience with the lending process. Keeping clear and consistent communication is important to me, and it's gratifying to hear that it was helpful for you. Thank you for sharing your feedback and allowing...
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Very knowledgeable and detailed. Streamlined and made it efficient
Reply from Heidi Gage
November 26th, 2025 11:28 AM
Kimberly, I'm glad to know that you found the team knowledgeable and the process efficient. Ensuring a detailed and streamlined experience is something I always aim for, so it's gratifying to hear your feedback. Thank you for choosing to work...
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As a real estate agent with Keller Williams Gateway, I had a great experience working with NFM Lending. They made the process smooth and stress-free for both my client and me, offering clear communication and personalized support every step...
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Reply from Heidi Gage
November 24th, 2025 12:16 AM
Robert, it's wonderful to hear about your positive experience with the process. I’m particularly glad that both you and your client felt supported throughout the transaction. Providing clear communication and a smooth journey is always my goal,...
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Heidi was very accommodating and professional through the entire process! Highly recommend!
Reply from Owner
November 17th, 2025 10:27 AM
Will, I appreciate your feedback and recommendation. It's important to me to provide an accommodating and professional experience throughout the lending process. Thank you for choosing to work with me at NFM Lending! Can’t wait to see the renovated...
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Heidi did a great job with communication in the loan process & helping to answer questions about the renovation loan we’re doing! We’re excited to get started on our renovation!
Reply from Owner
November 10th, 2025 02:54 PM
Keri, I'm glad to hear that the communication during your loan process was helpful and that your questions about the renovation loan were addressed. It sounds like you have an exciting journey ahead with your renovation, and I'm pleased to...
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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.
