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)
FHA Loans
FHA loans provide a great opportunity for homebuyers who want to secure a mortgage with flexible credit standards and minimal down payment requirements. Supported by the Federal Housing Administration, these loans make it easier for first-time buyers and those with limited credit history to achieve their goal of owning a home through a more budget-friendly financing solution. If owning a home is your goal, an FHA loan can help turn that dream into reality. These loans are tailored to simplify the path to homeownership, offering an affordable and accessible option whether you’re buying your first house or refinancing your current mortgage. At Justus Sharp – NFM Lending, we specialize in helping residents navigate the FHA loan process with ease and confidence. Drawing on our extensive experience and in-depth knowledge of the local market, we dedicate ourselves to securing the ideal financing option tailored specifically to your goals.
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.
Local Expertise
As a reliable local lender, we have a strong understanding of the community’s real estate market and the unique needs of homebuyers in the area. Our knowledge of City’s housing market allows us to provide tailored advice and solutions that are relevant to your situation.
Proven Track Record of Success
We have a strong reputation for helping homebuyers secure FHA loans with excellent customer satisfaction. Our clients choose us for our reliability, honesty, and dedication to helping them achieve their dream of homeownership.
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.
Full Range of Loan Services
In addition to FHA loans, we also offer a variety of other loan products, including VA loans, conventional loans, and more. Whatever your financial needs may be, we have the expertise and resources to help you choose the right loan for your situation.
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"
An FHA loan is a government-backed mortgage insured by the Federal Housing Administration, designed to help buyers with lower credit scores or limited savings for a down payment achieve homeownership.
You may qualify with as little as 3.5% down if your credit score is 580 or higher. Scores between 500–579 typically require a 10% down payment.
FHA loans are known for flexible credit requirements, with approval possible for scores as low as 580 (or 500–579 with a higher down payment).
Single-family homes, multi-family properties with up to four units, and FHA-approved condominiums can qualify, as long as the property meets FHA safety and health standards.
Lower down payment requirements, more flexible credit guidelines, competitive interest rates, and an easier overall qualification process make FHA loans a popular choice for many borrowers.
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.
