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)
Flexible Financing for First-Time Buyers
FHA loans are one of the most popular financing options for first-time homebuyers because they require a much smaller down payment compared to conventional loans. Instead of needing 20% down, you may qualify with as little as 3.5%, making homeownership more attainable. These loans also allow more flexible underwriting standards, helping borrowers who may not have perfect credit but still want to achieve their dream of owning a home.
Government-Backed Security
What sets FHA loans apart is that they are insured by the Federal Housing Administration, which reduces the risk for lenders. Because of this backing, lenders are able to offer better loan terms, lower interest rates, and easier qualification requirements. This layer of security makes FHA loans a reliable choice for both buyers and lenders, offering confidence throughout the mortgage process.
Affordable Options for Every Budget
Affordability is one of the biggest advantages of FHA loans. By allowing higher debt-to-income ratios, FHA programs open doors for individuals and families who may have other financial obligations but still want to purchase a home. The competitive interest rates and low upfront costs make these loans a strong option for anyone looking to keep monthly payments manageable while building equity.
Benefits of FHA Loans
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Low down payment options make buying a home realistic sooner.
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Flexible credit requirements help more borrowers qualify with ease.
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Government insurance provides security and peace of mind.
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Refinancing opportunities offer ongoing financial flexibility.
Refinancing Opportunities
Beyond initial home purchases, FHA loans also provide refinancing options that can benefit homeowners at different stages of their financial journey. Whether your goal is to lower your monthly mortgage payment, switch from an adjustable-rate mortgage to a fixed-rate loan, or even access some of your home’s equity through a cash-out refinance, FHA refinancing programs give you the flexibility to make adjustments as your needs evolve.
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.
