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.
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.
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"
Down payment assistance (DPA) refers to programs that provide financial support—such as grants, forgivable loans, or low-interest secondary financing—to help homebuyers cover the upfront cost of a down payment.
While these programs are often geared toward first-time homebuyers, many also extend eligibility to repeat buyers who meet certain income, credit, or purchase-price criteria.
It depends on the program. Some DPA funds come as outright grants that don’t require repayment, while others are structured as forgivable loans or low-interest second mortgages.
Yes, in many cases DPA funds can be paired with FHA, VA, or conventional loan programs to further reduce out-of-pocket costs at closing.
DPA can reduce or eliminate upfront costs, preserve your savings for moving expenses or emergencies, and make homeownership accessible sooner than saving for a full down payment on your own.
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.
