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 Your Dream Home from the Ground Up
Build the home you’ve always imagined with confidence and ease. Our New Build Loans provide the financial foundation needed to construct a custom home from scratch—covering everything from land and permits to materials and labor. Whether you’re working with a trusted builder like Nation Builder or the experienced team at Rockford, we’re here to make your vision a reality. Design, customize, and create a space that truly reflects your lifestyle—with financing that supports every step of the journey.
Structured for Every Stage of Construction
These loans are released in phases, known as “draws,” which align with the progress of the construction project. By paying builders and contractors as milestones are reached, New Build Loans ensure that projects stay on track while giving homeowners peace of mind that funds are managed responsibly.
Flexible Options for Borrowers
Whether you are a first-time homebuyer building a starter home or an experienced homeowner creating a custom dream property, New Build Loans offer flexible financing structures. Options may include construction-to-permanent loans, which convert into a traditional mortgage after completion, or stand-alone construction loans for those with separate long-term financing plans.
Benefits of New Build Loans
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Covers construction costs, land, permits, and labor expenses.
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Funds are released in stages to match building progress.
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Flexibility for both first-time and experienced homeowners.
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Allows full customization of your dream home project.
Turning Vision into Reality
Building a home is a major investment, and New Build Loans make it possible to turn ideas into reality. By offering financial resources, structured disbursements, and support throughout the process, these loans empower buyers to create homes that reflect their style, needs, and future aspirations.
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.
