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)
Making Homeownership Within Reach
Down Payment Assistance programs are designed to reduce or eliminate the biggest hurdle for many homebuyers — the initial upfront cost. By offering financial support in the form of grants, forgivable loans, or low-interest secondary financing, these programs create a pathway to homeownership for individuals and families who might otherwise struggle to save enough for a down payment.
Support for First-Time and Repeat Buyers
While first-time homebuyers are often the primary beneficiaries of Down Payment Assistance, many programs extend eligibility to repeat buyers who meet income or location-based criteria. This inclusivity makes the program valuable not just for new homeowners but also for those re-entering the housing market after life transitions.
Flexible and Accessible Options
DPA is available in several forms, including lump-sum grants, deferred repayment loans, and second mortgages with minimal interest. These flexible structures are tailored to different needs, ensuring that buyers can select an option that supports long-term affordability without creating unnecessary financial burdens.
Benefits of Down Payment Assistance
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Reduce or eliminate the upfront cost of a down payment.
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Available for both first-time and qualifying repeat buyers.
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Offered as grants, forgivable loans, or low-interest options.
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Preserve savings for moving expenses or future home needs.
Strengthening Families and Communities
Beyond individual financial relief, Down Payment Assistance programs contribute to stronger, more stable communities. By enabling more families to become homeowners, they encourage neighborhood growth, increase property values, and build long-term wealth that can be passed down through generations.
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.
