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)
Homeownership Made Possible for Veterans
With VA loans, service members, veterans, and eligible spouses have access to one of the most rewarding mortgage options available today. Created as a way to honor military service, VA loans are designed to eliminate financial barriers and make homeownership more attainable. This program provides affordable financing while recognizing the dedication and sacrifices made by those who served our country.
No Down Payment Required
One of the most significant advantages of VA loans is the ability to buy a home without a down payment. For many borrowers, saving tens of thousands of dollars for a traditional down payment can be overwhelming. With VA financing, qualified applicants can achieve homeownership much sooner while keeping their savings intact for moving costs, home improvements, or other priorities.
Lower Monthly Costs
VA loans are structured to reduce the financial strain of monthly payments. In addition to competitive interest rates, they remove the need for private mortgage insurance (PMI), which conventional loans often require. The elimination of this extra cost, combined with affordable rates, helps veterans and service members secure homes while keeping their budgets balanced for everyday life.
Benefits of VA Loans
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Save monthly with no requirement for private mortgage insurance (PMI).
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Enjoy lower interest rates compared to many conventional loan programs.
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Benefit from flexible credit and income guidelines for easier approval.
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Access simple refinancing options to lower payments or change terms.
Flexible Use and Refinancing Options
VA loans aren’t just for purchasing a home—they also provide flexible refinancing opportunities. Whether it’s lowering your monthly payments through the VA Interest Rate Reduction Refinance Loan (IRRRL) or tapping into equity with a cash-out refinance, VA loan programs evolve with your financial needs. This flexibility ensures veterans and military families have long-term stability and access to financial tools when needed.
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.
