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.
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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.

FHA Loans

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.
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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.
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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.
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FHA Loans

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.
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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.

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"FAQs"

It’s a financing solution designed for constructing a custom home from the ground up, covering costs such as land, permits, materials, and labor.
Funds are released in phases, known as “draws,” which align with construction milestones—ensuring builders and contractors are paid as progress is made.
A construction-to-permanent loan automatically converts into a traditional mortgage once the home is complete, while a stand-alone construction loan is a separate, short-term loan that requires its own long-term financing afterward.
These loans are flexible enough for both first-time homebuyers building a starter home and experienced homeowners creating a custom dream property.
Many programs allow you to work with a builder of your choice, giving you the flexibility to design and customize a home that fits your lifestyle and needs.

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.
Home Financing