America’s Common Sense Lender
The Justus Sharp Team of NFM Lending
Corporate Address: 1190 Winterson Road, Suite 300, Linthicum, MD 21090
Charles Munoz
NMLS# 785783
7450 Campus Drive, Colorado Springs, CO, 80920
Phone: (719-301-3009)
VA Loans
If you’re a veteran or currently serving in the military, a VA loan can open the door to affordable homeownership. At Justus Sharp – NFM Lending, we take pride in assisting service members and veterans with VA loans designed to make buying or refinancing a home simpler and more cost-effective. Whether you’re purchasing your first property or refinancing an existing one, our team offers personalized support to guide you through each step. In this guide, we’ll break down everything you need to know about VA loans—from their exclusive benefits and eligibility criteria to how Justus Sharp – NFM Lending can help you achieve your homeownership dreams.
At Justus Sharp – NFM Lending, we offer a full range of mortgage solutions designed to fit every borrower’s needs. For investors, we provide flexible DSCR loans, investment loans, and specialized Airbnb & rental property loans to help grow your portfolio. Self-employed borrowers can benefit from our bank statement loans, while those needing fast, short-term financing can rely on our bridge loans. We also help veterans and service members access affordable homeownership through VA loans, and first-time or budget-conscious buyers can explore FHA loans alongside our down payment assistance programs. For those building a new home, our new build partnership program makes construction financing simple and stress-free. Whatever your goal, our team is here to guide you to the right loan program with confidence.
Personalized Service
We understand that every veteran’s situation is different.That’s why we provide customized guidance designed around your unique situation. Whether you’re purchasing your first home or refinancing your current property, we’re committed to helping you identify the loan option that best fits your needs.
Streamlined Process
We take the stress out of securing your VA Loan with a streamlined application and approval process. From pre-approval through closing, our team streamlines the process to help you move into your new home smoothly and without unnecessary delays. With Justus Sharp – NFM Lending, you’ll have a partner who’s dedicated to making the entire process as smooth and easy as possible.
Benefits of VA Loans
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Save monthly with no requirement for private mortgage insurance (PMI).
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Enjoy lower interest rates compared to many conventional loan programs.
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Benefit from flexible credit and income guidelines for easier approval.
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Access simple refinancing options to lower payments or change terms.
Commitment to Veterans and Their Families
At Justus Sharp – NFM Lending, We are deeply committed to supporting veterans and military families. Recognizing the sacrifices you’ve made, we take pride in helping you achieve your goal of owning a home. We’re here to support you with transparency, integrity, and exceptional customer service throughout the entire journey.
Why Choose Us
Choosing the right mortgage partner is one of the most important steps in your homeownership or investment journey. With Justus Sharp – NFM Lending, you gain more than a lender — you gain a dedicated partner who understands your goals, challenges, and opportunities. We combine personalized guidance with competitive loan options to make the financing process smooth, transparent, and stress-free.
We are known for
Personalized mortgage solutions tailored to each client’s unique goals.
A wide range of programs for homeowners and investors.
Competitive rates with flexible lending options to fit every budget.
Dedicated support that makes financing simple, fast, and stress-free.
"FAQs"
A VA loan is a government-backed mortgage designed for veterans, active-duty service members, and eligible surviving spouses. It is insured by the U.S. Department of Veterans Affairs (VA) and offers flexible, affordable financing options for homeownership.
Eligibility includes:
Veterans with an honorable discharge.
Active-duty service members in the Army, Navy, Air Force, Marine Corps, Coast Guard, or National Guard.
Certain surviving spouses of veterans.
Must meet length of service requirements (e.g., 90 days wartime service, 181 days peacetime service, or 6+ years in the Reserves/National Guard).
Must obtain a Certificate of Eligibility (COE).
No down payment required.
Competitive interest rates.
No private mortgage insurance (PMI).
Flexible credit requirements.
Easier qualification process than conventional loans.
Higher loan limits in some areas.
No prepayment penalties.
No. One of the main benefits of a VA loan is that eligible borrowers can purchase a home without making a down payment.
VA loans often provide lower interest rates, no PMI, and more flexible credit requirements, making them more affordable and accessible than conventional loans for eligible borrowers.
Guiding You Home with Confidence
With Justus Sharp – NFM Lending, our mission is to make the mortgage process simple, stress-free, and centered around your goals. Whether you’re a first-time buyer, an investor, or looking to refinance, we provide the expertise and loan programs to match your unique financial situation. With a focus on clarity, trust, and long-term relationships, we’re here to ensure you feel supported and confident in every decision on your path to homeownership.
