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)
Designed for Self-Employed Borrowers
With Bank Statement Loans, income qualification is based on your bank deposits instead of traditional tax returns or W-2s. This program is ideal for self-employed individuals, business owners, freelancers, and independent contractors whose reported income may not fully reflect their true earning potential.
Flexible Income Verification
Traditional mortgages often overlook the financial reality of entrepreneurs. Bank Statement Loans allow borrowers to use 12 to 24 months of personal or business bank statements to prove income, creating a flexible solution for those with non-traditional income streams.
Homeownership Without the Roadblocks
Many qualified borrowers are turned away from conventional loans due to strict documentation requirements. Bank Statement Loans open the door to homeownership by focusing on real cash flow instead of tax write-offs, deductions, or adjusted gross income.
Benefits of Bank Statement Loans
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Qualify using bank deposits instead of tax returns or W-2s.
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Flexible verification with 12 to 24 months of statements accepted.
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Focus on real cash flow, not deductions or tax write-offs.
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Open the door to primary, secondary, and investment property financing.
A Smarter Path to Growth
Bank Statement Loans not only help borrowers purchase their primary residence but can also be used for second homes and investment properties. By recognizing the strength of cash flow, these loans empower self-employed individuals to build wealth and achieve financial freedom through real estate.
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"
We provide a wide range of mortgage options including FHA, VA, Conventional, DSCR, Bank Statement, Investment Loans, Down Payment Assistance, Bridge Loans, New Build Loans, and Airbnb Rental Property Loans to meet the unique needs of homeowners and investors.
No, perfect credit isn’t required. We work with borrowers across different credit profiles and guide you toward loan programs that best fit your situation, including options for those with less-than-perfect credit.
Our team takes the time to understand your financial goals, budget, and future plans. Based on this, we recommend the loan program that aligns with both your short-term needs and long-term success.
We are licensed in Alabama, Florida, Iowa, Illinois, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia — providing both local expertise and multi-state reach.
Timelines vary based on the loan type and complexity, but most mortgages close within 30 to 45 days. We guide you every step of the way to ensure the process is efficient, transparent, and stress-free.
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.
