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)
Financing Built for Investors
With Investment Loans, real estate investors gain access to financing solutions that are specifically structured to support property ownership and portfolio growth. Unlike traditional mortgages that focus only on primary residences, Investment Loans provide the flexibility to fund rental homes, vacation properties, and other income-producing real estate. This allows investors to turn opportunities into profitable ventures with the right financial foundation.
Tailored Options for Every Strategy
No two investment strategies are alike, which is why Investment Loans are available in a variety of structures. From long-term fixed-rate financing to shorter-term adjustable-rate options, investors can choose the loan type that best matches their goals. Whether you are pursuing buy-and-hold rentals, short-term vacation properties, or multi-family units, these loans are designed to give you the financing that fits your approach.
Unlocking Cash Flow Potential
A strong investment property is one that generates positive cash flow, and Investment Loans are built with this principle in mind. By offering competitive interest rates, flexible down payment requirements, and a range of term options, these loans make it possible for investors to maximize rental income while keeping monthly expenses manageable. The result is a financing solution that supports both immediate profitability and long-term equity growth.
Benefits of Investment Loans
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Competitive rates that help maximize property cash flow and rental income.
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Equity leverage opportunities to fund future acquisitions and refinances.
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A powerful tool to build long-term wealth through real estate growth.
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A powerful tool to build long-term wealth through real estate growth.
Supporting Long-Term Portfolio Growth
Real estate is one of the most powerful tools for building wealth, and Investment Loans make it easier to scale that wealth over time. Investors can leverage existing equity to purchase new properties, refinance for better terms, or expand into larger projects like multi-unit buildings. With financing designed to evolve alongside your goals, Investment Loans provide the resources needed to grow, diversify, and sustain a successful portfolio for the future.
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.
