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)
Bank Statement Loans
For self-employed individuals, freelancers, or business owners, obtaining a traditional mortgage can often be more difficult. Many mortgage options require detailed documentation such as W-2 forms or tax returns, which might not accurately reflect your income if you have non-traditional earnings. That’s where Bank Statement Loans come in. A Bank Statement Loan lets you qualify for a mortgage using just your bank statements, providing a flexible option for those who may have difficulty meeting traditional documentation requirements. This type of loan is perfect for those whose income comes from sources such as self-employment, freelance work, or small businesses. At Justus Sharp – NFM Lending, we help clients navigate the mortgage process smoothly, offering personalized guidance and expert support for Bank Statement Loans. Whether you’re looking to purchase your first home or refinance your current property, we can help you secure the loan you need without the stress of traditional paperwork.
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.
Streamlined Process for Faster Approval
With Justus Sharp – NFM Lending, you can expect a streamlined application process that speeds up approval times. We value your time, delivering a fast, stress-free process with transparent communication every step of the way.
Competitive Rates and Flexible Terms
We provide competitive interest rates and adaptable loan terms designed to align with your financial objectives. Our team works hard to find the best solutions at the most affordable rates.
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.
Dedicated Support for Self-Employed Borrowers
We understand the unique needs of self-employed borrowers, and we’re committed to helping you navigate the Bank Statement Loan process. From gathering documents to securing approval, we’re with you every step of the way.
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 mortgage that lets self-employed or freelance borrowers qualify using bank statements instead of W-2s or tax returns.
Self-employed individuals, freelancers, business owners, or anyone with non-traditional income sources can qualify.
Typically 12–24 months of personal or business bank statements are needed to verify income.
Most lenders require a score of 600+, though some programs may allow lower with strong deposits and financial stability.
Down payments usually range from 10% to 20%, depending on loan type and financial profile.
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.
