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Jeff Miltenberger at NFM Lending
Branch Manager | NMLS# 108278
With 100 years of combined experience in mortgage lending, my team and I have seen it all. The one thing that continues to motivate me in this business is working with clients and helping them achieve their goals of home ownership. We’ve wo... Show More
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Reviews from Web
the overall process was smooth and painless .
This has been such a wonderful experience for me and NFM Lending went above and beyond to make sure my home ownership was solid. Jeff, and NFM Lending is two grades above Excellent and I couldn't of done this without their support, expertise,...
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Reply from Owner
August 5th, 2026 04:29 PM
Thank you so much Makeya! I am so happy we were able to get you closed on the new Covenant Homeownership Program. What an amazing opportunity! Congratulations on your new home!
Our situation was a bit unique in that we needed to cash out refi a rental for the down payment on another property. Jeff and his wonderful team facilitated the refi and purchase within the closing period. In addition, we chose to refi a 2nd...
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Reply from Owner
August 5th, 2026 04:27 PM
Thanks so much Jason! I loved the opportunity to work with you. I learned a lot from you guys as well and love strategizing to create more wealth through real estate! I am looking forward to the next one!
Our situations was a bit unique in that we needed to cash out refi a rental for the down payment on another property. Jeff and his wonderful team facilitated the refi and purchase within the closing period. In addition, we chose to refi a 2nd...
read more
This has been such a wonderful experience for me and NFM Lending went above and beyond to make sure my home ownership was solid. Jeff, and NFM Lending is two grades above Excellent and I couldn't of done this without their support, expertise,...
read more
Jeff was very communicative for the holiday season. When things didn't go as expected, he stepped up to the plate and made it right for us; even though he was'nt mandated to do so. He gained my trust and respect. Thank you Jeff
Thank you Jeff for your help with my first home mortgage here in Spokane! Jeff, my Wife and I appreciate the integrity and professionalism you showed when things didn't go by the book. We know you did not have to do what you did for us. We...
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Reply from Owner
August 5th, 2026 04:32 PM
Thanks so much Brian! I appreciate the opportunity to work with you! Congrats on your new home. AMEN!
Was a complex and somewhat messy transaction (purchase, cash-out refi, and regular refi). Everything was kept clean and processed quickly - communication was excellent.
Jeff has stuck with us for 3 years to get this refi done, him and his tem team have saved us hundreds of dollars!
Jeff and his team were very professional throughout the whole process and were able to communicate regularly with each step of the way. This was amazing because my client was not as familiar with type of loan and process, but they were very...
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Reply from Owner
February 2nd, 2026 11:49 PM
Thanks Jesse, our clients were so happy to be able to buy their dream home. This amazing program allowed them to put 20% down - a loan from the State of WA with 0% interest! I am so happy for them. Thank you for allowing us the opportunity...
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About
With 100 years of combined experience in mortgage lending, my team and I have seen it all. The one thing that continues to motivate me in this business is working with clients and helping them achieve their goals of home ownership. We’ve worked with thousands of clients over the years, and each one is unique. Whether you are a first time home buyer or an experienced homeowner, your experience is super important to us. We’ve found that no matter your background, knowledge is the key to a successful home buying experience. We have created a team and process that is second to none, all with you in mind.
I want to thank you for your trust and I look forward to working with you for the first, second, or 15th time!
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
VA Loans
FHA Loans
Cash Out Refinances
Down Payment Assistance Programs
Unique Income
Credit Repair Assistance
Long Term Home Ownership Planning
RSU Income
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Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
1994
Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS# 108278
Awards
CEO Club - NFM Len...
Scotsman Guide Top...
Achievements
- #1 Dad
- Scotsman Guide Top Producer
- Top Lender at NFM Lending
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Hobbies
- Boating
- Visiting Daughters at College
- Team Dinners
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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.
