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NMLS #436047Serving Ohio · Florida · Tennessee

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Non-Warrantable Condo Loans Jumbo Non-QM Loans Second Home Non-QM Investment Property Non-QM

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Bank Statement Loans Profit and Loss Loans 1099 Income Loans Asset Depletion Loans Asset Utilization / Asset Qualifier Full Doc Non-QM

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Recent Credit Event Loans ITIN Loans Foreign National Loans

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Contact Justus Sharp

Home About Justus Sharp

Non-QM Programs

All programsNon-Warrantable Condo Loans Jumbo Non-QM Loans Interest Only Loans Second Home Non-QM Investment Property Non-QM Fix and Flip / Bridge Loans Non-QM HELOC / Closed-End Second Bank Statement Loans Profit and Loss Loans 1099 Income Loans DSCR Investor Loans No Ratio DSCR Loans Asset Depletion Loans Asset Utilization / Asset Qualifier Full Doc Non-QM Recent Credit Event Loans ITIN Loans Foreign National Loans

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1099 Income Loans Cleveland, OH
Asset Depletion Loans Cleveland, OH

Justus Sharp

Loan Officer · NMLS #436047

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All programs

Non-Warrantable Condo Loans Jumbo Non-QM Loans Interest Only Loans Second Home Non-QM Investment Property Non-QM Fix and Flip / Bridge Loans Non-QM HELOC / Closed-End Second Bank Statement Loans Profit and Loss Loans 1099 Income Loans DSCR Investor Loans No Ratio DSCR Loans Asset Depletion Loans Asset Utilization / Asset Qualifier Full Doc Non-QM Recent Credit Event Loans ITIN Loans Foreign National Loans

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614 369 4838
sharpteam@nfmlending.com

The Justus Sharp Team of NFM Lending

Address: 1660 Gateway Circle Grove City, OH 43123

NMLS # 436047

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)

NFM Lending1190 Winterson Road, Suite 300
Linthicum, MD 21090View on Google Maps →

Disclosure:

Equal housing lender. MLO licensing information: AL # 64071 FL # LO102080 IA # 50195 IL # 031.0079558 KS # LO.0057292 MI #436047 MO # 436047 NC # I-215855 OH # MLO.013279.000 SC # MLO – 436047 TN # 436047 TX VA # MLO-69578VA . NFM Lending, LLC. For NFM Lending, LLC’s full agency, and state licensing information, please visit http://nfmlending.com/licensing . NFM Lending, LLC’s NMLS#2893. For licensing info, go to: www.nmlsconsumeraccess.org. NFM Lending, LLC is not affiliated with, or an agent or division of, a governmental agency or a depository institution. Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. LTV’s can be as high as 96.5% for FHA loans. FHA minimum FICO score required. Fixed rate loans only. W2 transcript option not permitted. Qualifying credit score needed for conventional loans. For USDA loans, 100% financing, no down payment is required. The loan amount may not exceed 100% of the appraised value, plus the guarantee fee may be included. Loan is limited to the appraised value without the pool, if applicable. Veterans Affairs loans require a funding fee, which is based on various loan characteristics. Sales price cannot exceed appraised value. All Down Payment Assistance Programs have different requirements and contingencies; please consult with the Loan Originator to discuss your options. For more information, please contact your Loan Originator. You will need to apply for a first mortgage loan with NFM Lending, LLC. in conjunction with any down payment assistance program. All information contained herein is subject to change at any time. A training class might be required. All DPA programs require to apply for a 1st and 2nd mortgage. NFM Lending is not a Financial Advisor, Tax Advisor or Credit Repair Company. You should consult with a Financial Advisor, Tax Advisor or Credit Repair Company to learn more. Interest rates are subject to change daily and without notice. www.nfmlending.com. © 2026 NFM Lending, LLC. America’s Common Sense Lender® Trade/service marks are the property of NFM Lending, LLC. and/or its subsidiaries. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.Refinancing an existing loan may result in the total finance charges being higher over the life of the loan. MAC0726_4518798267

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