Business Details
Trusted Mortgage Lending Services in Grove City
The Justus Sharp Mortgage Team of NFM Lending has established itself as a trusted name in residential mortgage lending, serving clients across multiple states with a focus on personalized service and industry expertise. Our team prioritizes customer care, guiding clients through the mortgage process with transparency and a commitment to finding solutions tailored to individual financial needs. As an award-winning, multi-state lender, we streamline loan processes to ensure efficiency without compromising compliance or quality.Our mission centers on innovation, open communication, and community support, while upholding core values of honesty, integrity, and ethics in every transaction. With decades of combined experience in the mortgage industry, we specialize in navigating complex loan scenarios and delivering exceptional service that empowers clients toward successful homeownership.
Services
Fixed-Rate Mortgage
Adjustable Rate Mortgage
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Portfolio Loans
DSCR Mortgages
Home Improvement Loans
Highlights and features
- We are an award-winning, multi-state residential mortgage lender with NMLS certification.
- Our team streamlines loan processes to shorten closing timelines without sacrificing quality.
- We specialize in complex loan scenarios for first-time buyers and self-employed clients.
- We maintain a platform of high standards with honesty and ethics as priorities.
- Our team provides personalized guidance through all mortgage loan program options.
Associations and certifications
- NMLS
What people say
Exemplary service
Helped achieve homeownership
Exceptional support
Navigated complex scenarios
Dedicated to clients
Services
Fixed-Rate Mortgage
Fixed-Rate Mortgages offer consistent interest rates throughout the loan term, typically available in 15- or 30-year terms. This option provides predictable monthly payments, protecting borrowers from market fluctuations. Ideal for long-term homeowners seeking budget stability, our fixed-rate loans help clients lock in favorable rates while maintaining flexibility for future refinancing opportunities.
Adjustable Rate Mortgage
Adjustable Rate Mortgages feature initial fixed periods followed by periodic rate adjustments based on market indices. These loans offer lower initial payments, benefiting clients planning shorter ownership periods or anticipating future income increases. Our team helps clients evaluate risk factors and potential savings through detailed scenario analysis and personalized financial planning.
FHA Loans
FHA-insured loans cater to low-to-moderate income borrowers with relaxed credit requirements and minimal down payments. Our specialists guide first-time buyers through the process, ensuring compliance with federal guidelines while maximizing accessibility. We offer cash-out refinancing up to 85% loan-to-value ratios for eligible applicants.
VA Loans
VA-guaranteed loans provide eligible veterans with zero-down payment options and competitive rates. Our team prioritizes service members' needs, offering specialized support for purchase and refinance transactions. We handle all documentation requirements to ensure smooth processing for those who have served our country.
Jumbo Loans
Jumbo loans exceed conventional loan limits, supporting high-value property purchases. Available with fixed or adjustable rates up to $3 million, these loans require specialized underwriting. Our experts assist clients with unique financial profiles in securing financing for luxury homes and investment properties exceeding standard conforming limits.
People
Justus Sharp Sr.
Mortgage Loan Originator
With extensive industry experience, The Justus Sharp Mortgage Team of NFM Lending Sr. specializes in personalized mortgage solutions, focusing on client education and tailored financial strategies. His team prioritizes ethical practices while helping families achieve homeownership goals.
Billy Hollis
Loan Originator
Billy Hollis provides comprehensive mortgage guidance, analyzing clients' financial situations to recommend optimal loan products. Licensed in multiple states, he ensures personalized service throughout the lending process.
Michelle Brueggeman
Loan Originator
Michelle Brueggeman brings years of mortgage expertise, having assisted hundreds of clients with purchases and refinances. Licensed in Illinois and Ohio, she delivers knowledgeable support for diverse lending scenarios.
Katie Borawski
Loan Partner II
Katie Borawski facilitates seamless mortgage applications, offering expert guidance on payment options and pre-approval processes. Her client-focused approach ensures smooth transactions from initial inquiry to closing.
Sara VanHoose
Administrative Assistant
Sara VanHoose manages operational workflows and client communications, providing essential support to maintain efficient mortgage processing and team coordination.
Questions
What mortgage loan programs do you offer?
We provide fixed-rate, adjustable-rate, FHA, VA, USDA, jumbo, portfolio, DSCR, and home improvement loans tailored to various financial situations.
How can I start the mortgage application process?
Contact our team to complete a loan application and submit required documents including income verification, asset statements, and property details.
What sets your mortgage services apart?
We combine personalized guidance with streamlined processes, specializing in complex cases and maintaining high ethical standards throughout the lending journey.
Do you offer mortgage options for first-time homebuyers?
Yes, we specialize in FHA loans and other programs designed for first-time buyers with lower down payment requirements.
Can self-employed individuals qualify for mortgages?
Absolutely. We assist self-employed clients with specialized documentation requirements and tailored loan programs to accommodate non-traditional income structures.
What areas do you serve?
We operate in Alabama, Florida, Iowa, Illinois, Missouri, North Carolina, Ohio, South Carolina, Tennessee, Texas, and Virginia.
