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2021 HECM Mortgage Limits for Florida by County

By vmalendingcomIn UncategorizedPosted June 19, 2025

ITS A GREAT TIME TO GET A REVERSE MORTGAGE! HOME EQUITY CONVERSION MORTGAGE (HECM) MORTGAGE LIMITS FOR FLORIDA HAVE BEEN RAISED. A HECM IS A...

2021 Conforming / Conventional Loan Limits for Florida by County

By vmalendingcomIn UncategorizedPosted June 19, 2025

ITS A GREAT TIME TO START LOOKING FOR A HOME! CONVENTIONAL / CONFORMING MORTGAGE LIMITS FOR FLORIDA HAVE BEEN RAISED RATES ARE AT A N...

2-4 Units Update from Freddie Mac

By vmalendingcomIn UncategorizedPosted June 19, 2025

Freddie Mac has reduced LTVs for 2-4 units on the Home Possible to 85% (CLTV remains at 95%)

Mortgages: Fixed vs Variable Home Loans

By vmalendingcomIn UncategorizedPosted June 19, 2025

Fixed loan: Loan for a specific time period at a fixed rate Variable loan: Loan with a rate that fluctuates base on terms selected by...

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Accessibility

Accessibility modes

Epilepsy Safe Mode

Dampens color and removes blinks

This mode enables people with epilepsy to use the website safely by eliminating the risk of seizures that result from flashing or blinking animations and risky color combinations.

Visually Impaired Mode

Improves website's visuals

This mode adjusts the website for the convenience of users with visual impairments such as Degrading Eyesight, Tunnel Vision, Cataract, Glaucoma, and others.

Cognitive Disability Mode

Helps to focus on specific content

This mode provides different assistive options to help users with cognitive impairments such as Dyslexia, Autism, CVA, and others, to focus on the essential elements of the website more easily.

ADHD Friendly Mode

Reduces distractions and improve focus

This mode helps users with ADHD and Neurodevelopmental disorders to read, browse, and focus on the main website elements more easily while significantly reducing distractions.

Blindness Mode

Allows using the site with your screen-reader

This mode configures the website to be compatible with screen-readers such as JAWS, NVDA, VoiceOver, and TalkBack. A screen-reader is software for blind users that is installed on a computer and smartphone, and websites must be compatible with it.

Online Dictionary

Start typing to search in Wikipedia

Readable Experience

Content Scaling

Default

Text Magnifier

Readable Font

Dyslexia Friendly

Highlight Titles

Highlight Links

Font Sizing

Default

Line Height

Default

Letter Spacing

Default

Left Aligned

Center Aligned

Right Aligned

Visually Pleasing Experience

Dark Contrast

Light Contrast

Monochrome

High Contrast

High Saturation

Low Saturation

Adjust Text Colors

Adjust Title Colors

Adjust Background Colors

Easy Orientation

Mute Sounds

Hide Images

Hide Emoji

Reading Guide

Stop Animations

Reading Mask

Highlight Hover

Highlight Focus

Big Dark Cursor

Big Light Cursor

Cognitive Reading

Virtual Keyboard

Navigation Keys

Voice Navigation

Link navigator

VMA Lending

Accessibility Statement
vmalending.com
Last updated: June 17, 2025

Compliance Status

At VMA Lending LLC and its affiliated companies, we believe the internet should be accessible and usable by everyone. We are fully committed to ensuring that our website is accessible to the widest possible audience, regardless of ability or technology.

We aim to comply as closely as possible with the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA. These guidelines provide a clear framework for making web content more accessible for people with disabilities, including blindness, motor impairments, visual and cognitive challenges, and more.

To support this goal, we utilize various accessibility technologies. Our website features an accessibility interface that empowers users with disabilities to adjust the website’s UI and customize it to their needs. Additionally, we run an AI-powered application in the background that continuously improves the website’s accessibility by adapting it for screen readers and keyboard navigation.

If you experience any accessibility issues or have suggestions for improvement, please contact us at admin@vmalending.net.

Screen-Reader and Keyboard Navigation

Our site implements ARIA attributes and other behavior enhancements for a seamless experience with screen readers and keyboard use.

Screen-reader Optimization
A background process ensures that content is structured and described appropriately, including form labels, icon descriptions, and image alt tags using OCR (optical character recognition) where needed. Screen-reader users receive an automatic prompt to enable accessibility mode. Compatible with JAWS, NVDA, VoiceOver, and TalkBack.

Keyboard Navigation Optimization
Users can navigate the website using Tab, Shift+Tab, arrow keys, and Enter. Shortcuts such as “M” (menus), “H” (headings), “F” (forms), “B” (buttons), and “G” (graphics) enable quick navigation. The interface also includes focus management for modal popups and skip menus.

Supported Disability Profiles

Epilepsy Safe Mode: Eliminates flashing and color combinations that can trigger seizures.
Visually Impaired Mode: Adjusts visual elements for users with eye conditions.
Cognitive Disability Mode: Adds focus enhancements for users with dyslexia, autism, stroke-related impairments, etc.
ADHD Friendly Mode: Minimizes distractions to help focus on key elements.
Blindness Mode: Full compatibility with leading screen readers.
Motor-Impaired Navigation Profile: Enables full navigation and interaction using only the keyboard.

UI, Design, and Readability Adjustments

Font Options: Resize, change font type, spacing, alignment, and line height.
Color Contrast: Multiple presets including light, dark, inverted, and monochrome themes.
Animations: Option to stop all animations to reduce risk for epileptic users.
Highlighting: Emphasize links, buttons, and focused elements.
Audio Mute: Instantly mute audio content for users sensitive to sound.
Cognitive Support: Integrated Wikipedia and Wiktionary access to explain complex terms.
Other Tools: Custom cursor, virtual keyboard, print mode, and more.

Browser and Assistive Technology Compatibility

We support the majority of browsers and assistive tools, including:

Browsers: Chrome, Firefox, Safari, Edge, and Opera
Screen Readers: JAWS, NVDA, VoiceOver, and TalkBack

Our commitment is to reach over 95% of user environments and continuously expand compatibility.

Feedback and Assistance

We acknowledge that some content may not yet meet full accessibility standards and are actively working to improve these areas. Your input helps us grow and serve you better.

If you have difficulty accessing any part of the website or need assistance, please contact us at:

Email: admin@vmalending.net

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