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.elementor-element.elementor-element-8f41390.elementor-column > .elementor-widget-wrap{justify-content:flex-start;}.elementor-3303 .elementor-element.elementor-element-8f41390 > .elementor-element-populated{padding:50px 15px 40px 15px;}.elementor-3303 .elementor-element.elementor-element-64ad915e{text-align:start;}.elementor-3303 .elementor-element.elementor-element-64ad915e .elementor-heading-title{font-size:32px;}.elementor-3303 .elementor-element.elementor-element-535fffc1{padding:0px 0px 0px 0px;}}</style>{"id":3303,"date":"2025-07-31T06:14:09","date_gmt":"2025-07-31T06:14:09","guid":{"rendered":"https:\/\/www.vmalending.net\/?page_id=3303"},"modified":"2025-07-31T06:16:09","modified_gmt":"2025-07-31T06:16:09","slug":"itin-mortgage","status":"publish","type":"page","link":"https:\/\/vmalending.net\/?page_id=3303","title":{"rendered":"ITIN Mortgage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3303\" class=\"elementor elementor-3303\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-524231c1 e-flex e-con-boxed e-con e-parent\" data-id=\"524231c1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14754c65 elementor-widget elementor-widget-text-editor\" data-id=\"14754c65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<h2 id=\"we-re-a-studio-in-berlin-with-an-international-practice-in-architecture-urban-planning-and-interior-design-we-believe-in-sharing-knowledge-and-promoting-dialogue-to-increase-the-creative-potential-of-collaboration\" class=\"wp-block-heading alignwide\" style=\"font-size: 48px; line-height: 1.1;\">ITIN Mortgage<\/h2>\n\n<p class=\"wp-block-paragraph\" data-start=\"149\" data-end=\"400\"><strong data-start=\"226\" data-end=\"252\">The ITIN mortgage loan<\/strong> is a powerful financing option for individuals living and working in the United States who do not have a Social Security Number (SSN). These loans are specifically designed for borrowers who possess an Individual Tax Identification Number (ITIN) and meet full documentation requirements. For many immigrants and non-residents, this loan provides a legitimate pathway to homeownership.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1600fdc e-flex e-con-boxed e-con e-parent\" data-id=\"1600fdc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a72f7fc e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"a72f7fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"175306748\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-1753067481\" data-tab-title-id=\"e-n-tab-title-1753067481\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-1753067481\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tNOT NEEDED\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1753067482\" data-tab-title-id=\"e-n-tab-title-1753067482\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1753067482\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tRequired\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-1753067483\" data-tab-title-id=\"e-n-tab-title-1753067483\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-1753067483\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tGeneral Information\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-1753067481\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1753067481\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-f47aca0 e-con-full e-flex e-con e-child\" data-id=\"f47aca0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb912b elementor-widget elementor-widget-text-editor\" data-id=\"6eb912b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"206\" data-end=\"255\">\u274c What\u2019s <em data-start=\"219\" data-end=\"224\">Not<\/em> Needed for a 1099 Income Loan:<\/h3>\n<ul data-start=\"257\" data-end=\"1256\">\n<li data-start=\"257\" data-end=\"405\">\n<p data-start=\"259\" data-end=\"405\"><strong data-start=\"259\" data-end=\"277\">No Tax Returns<\/strong><br data-start=\"277\" data-end=\"280\" \/>Borrowers do <strong data-start=\"295\" data-end=\"302\">not<\/strong> need to submit federal income tax returns (Form 1040), which are typically required in full-doc loans.<\/p>\n<\/li>\n<li data-start=\"407\" data-end=\"551\">\n<p data-start=\"409\" data-end=\"551\"><strong data-start=\"409\" data-end=\"433\">No W-2s or Pay Stubs<\/strong><br data-start=\"433\" data-end=\"436\" \/>Since borrowers are not traditionally employed, they are <strong data-start=\"495\" data-end=\"511\">not required<\/strong> to show W-2 income or recent pay stubs.<\/p>\n<\/li>\n<li data-start=\"553\" data-end=\"737\">\n<p data-start=\"555\" data-end=\"737\"><strong data-start=\"555\" data-end=\"602\">No Profit &amp; Loss Statements (in many cases)<\/strong><br data-start=\"602\" data-end=\"605\" \/>Some programs <strong data-start=\"621\" data-end=\"639\">do not require<\/strong> a P&amp;L statement or CPA-prepared financials unless combined with other alternative income methods.<\/p>\n<\/li>\n<li data-start=\"739\" data-end=\"889\">\n<p data-start=\"741\" data-end=\"889\"><strong data-start=\"741\" data-end=\"788\">No Employment Verification with an Employer<\/strong><br data-start=\"788\" data-end=\"791\" \/>No need to verify a job through a company or HR department\u2014self-employment status is sufficient.<\/p>\n<\/li>\n<li data-start=\"891\" data-end=\"1077\">\n<p data-start=\"893\" data-end=\"1077\"><strong data-start=\"893\" data-end=\"968\">No Traditional Debt-to-Income (DTI) Calculation Based on Taxable Income<\/strong><br data-start=\"968\" data-end=\"971\" \/>Income is calculated using the gross amount shown on 1099s instead of adjusted income or taxable income.<\/p>\n<\/li>\n<li data-start=\"1079\" data-end=\"1256\">\n<p data-start=\"1081\" data-end=\"1256\"><strong data-start=\"1081\" data-end=\"1117\">No Agency Guideline Requirements<\/strong><br data-start=\"1117\" data-end=\"1120\" \/>These loans do <strong data-start=\"1137\" data-end=\"1174\">not follow Fannie Mae\/Freddie Mac<\/strong> standards, which typically make qualification harder for self-employed borrowers.<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1753067482\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1753067482\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-0cb43eb e-con-full e-flex e-con e-child\" data-id=\"0cb43eb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13182d8 elementor-widget elementor-widget-text-editor\" data-id=\"13182d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1815\" data-end=\"1963\">While this loan is designed to be more flexible than agency loans, borrowers still must demonstrate the ability to repay. Lenders typically require:<\/p>\n<ul data-start=\"1965\" data-end=\"2370\">\n<li data-start=\"1965\" data-end=\"2008\">\n<p data-start=\"1967\" data-end=\"2008\">A valid <strong data-start=\"1975\" data-end=\"1988\">ITIN card<\/strong> issued by the IRS<\/p>\n<\/li>\n<li data-start=\"2009\" data-end=\"2054\">\n<p data-start=\"2011\" data-end=\"2054\"><strong data-start=\"2011\" data-end=\"2039\">Two years of tax returns<\/strong> (using ITIN)<\/p>\n<\/li>\n<li data-start=\"2055\" data-end=\"2128\">\n<p data-start=\"2057\" data-end=\"2128\"><strong data-start=\"2057\" data-end=\"2076\">Proof of income<\/strong> (pay stubs, bank statements, or business records)<\/p>\n<\/li>\n<li data-start=\"2129\" data-end=\"2191\">\n<p data-start=\"2131\" data-end=\"2191\"><strong data-start=\"2131\" data-end=\"2159\">Identification documents<\/strong> (passport, consular ID, etc.)<\/p>\n<\/li>\n<li data-start=\"2192\" data-end=\"2242\">\n<p data-start=\"2194\" data-end=\"2242\"><strong data-start=\"2194\" data-end=\"2240\">Employment or self-employment verification<\/strong><\/p>\n<\/li>\n<li data-start=\"2243\" data-end=\"2314\">\n<p data-start=\"2245\" data-end=\"2314\"><strong data-start=\"2245\" data-end=\"2266\">Credit references<\/strong> or alternative tradelines (if no U.S. credit)<\/p>\n<\/li>\n<li data-start=\"2315\" data-end=\"2370\">\n<p data-start=\"2317\" data-end=\"2370\">Minimum down payment (varies by lender, often 10\u201320%)<\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-1753067483\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-1753067483\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-003fc9f e-con-full e-flex e-con e-child\" data-id=\"003fc9f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8762993 elementor-widget elementor-widget-text-editor\" data-id=\"8762993\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3 data-start=\"1307\" data-end=\"1354\">Key Highlights of the ITIN Mortgage Program<\/h3>\n<ul data-start=\"1356\" data-end=\"1777\">\n<li data-start=\"1356\" data-end=\"1400\">\n<p data-start=\"1358\" data-end=\"1400\">\u2705 <strong data-start=\"1360\" data-end=\"1398\">No Social Security Number required<\/strong><\/p>\n<\/li>\n<li data-start=\"1401\" data-end=\"1486\">\n<p data-start=\"1403\" data-end=\"1486\">\u2705 <strong data-start=\"1405\" data-end=\"1432\">Full documentation loan<\/strong> (income, assets, employment, and identity required)<\/p>\n<\/li>\n<li data-start=\"1487\" data-end=\"1532\">\n<p data-start=\"1489\" data-end=\"1532\">\u2705 <strong data-start=\"1491\" data-end=\"1530\">Available for purchase or refinance<\/strong><\/p>\n<\/li>\n<li data-start=\"1533\" data-end=\"1600\">\n<p data-start=\"1535\" data-end=\"1600\">\u2705 <strong data-start=\"1537\" data-end=\"1598\">Primary, second homes, and investment properties eligible<\/strong><\/p>\n<\/li>\n<li data-start=\"1601\" data-end=\"1635\">\n<p data-start=\"1603\" data-end=\"1635\">\u2705 <strong data-start=\"1605\" data-end=\"1633\">Credit score flexibility<\/strong><\/p>\n<\/li>\n<li data-start=\"1636\" data-end=\"1679\">\n<p data-start=\"1638\" data-end=\"1679\">\u2705 <strong data-start=\"1640\" data-end=\"1677\">Fixed and adjustable rate options<\/strong><\/p>\n<\/li>\n<li data-start=\"1680\" data-end=\"1722\">\n<p data-start=\"1682\" data-end=\"1722\">\u2705 <strong data-start=\"1684\" data-end=\"1720\">Self-employed borrowers accepted<\/strong><\/p>\n<\/li>\n<li data-start=\"1723\" data-end=\"1777\">\n<p data-start=\"1725\" data-end=\"1777\">\u2705 <strong data-start=\"1727\" data-end=\"1775\">Gift funds and seller credits may be allowed<\/strong><\/p>\n<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d09d931 e-flex e-con-boxed e-con e-parent\" data-id=\"d09d931\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac35dd6 elementor-widget elementor-widget-spacer\" data-id=\"ac35dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-535fffc1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"535fffc1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;6a0f580&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-35092517\" data-id=\"35092517\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2187f68 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2187f68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">GET IN TOUCH<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f658e99 elementor-widget elementor-widget-heading\" data-id=\"2f658e99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contact Details<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-685f3ee8 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"685f3ee8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ec69dd3 elementor-widget elementor-widget-text-editor\" data-id=\"3ec69dd3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIf you are interested in working with us then please drop us a line, we would love to hear from you.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32fdf2bd elementor-mobile-align-center icon_fix elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"32fdf2bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"mailto:info@vmalending.net\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>mail<\/title><path d=\"M28 5h-24c-2.209 0-4 1.792-4 4v13c0 2.209 1.791 4 4 4h24c2.209 0 4-1.791 4-4v-13c0-2.208-1.791-4-4-4zM2 10.25l6.999 5.25-6.999 5.25v-10.5zM30 22c0 1.104-0.898 2-2 2h-24c-1.103 0-2-0.896-2-2l7.832-5.875 4.368 3.277c0.533 0.398 1.166 0.6 1.8 0.6 0.633 0 1.266-0.201 1.799-0.6l4.369-3.277 7.832 5.875zM30 20.75l-7-5.25 7-5.25v10.5zM17.199 18.602c-0.349 0.262-0.763 0.4-1.199 0.4s-0.851-0.139-1.2-0.4l-12.8-9.602c0-1.103 0.897-2 2-2h24c1.102 0 2 0.897 2 2l-12.801 9.602z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">info@vmalending.net<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"tel:7866222224\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>phone<\/title><path d=\"M24 0h-16c-1.658 0-3 1.343-3 3v26c0 1.658 1.343 3 3 3h16c1.656 0 3-1.344 3-3v-26c0-1.658-1.344-3-3-3zM25 29c0 0.551-0.449 1-1 1h-16c-0.552 0-1-0.447-1-1v-2.004h18v2.004zM25 25.996h-18v-19.996h18v19.996zM25 5h-18v-2c0-0.552 0.448-1 1-1h16c0.551 0 1 0.448 1 1v2zM18 3.5c0 0.276-0.225 0.5-0.5 0.5h-3c-0.277 0-0.5-0.224-0.5-0.5v0c0-0.277 0.223-0.5 0.5-0.5h3c0.275 0 0.5 0.223 0.5 0.5v0zM17 28.496c0 0.275-0.225 0.5-0.5 0.5h-1c-0.276 0-0.5-0.225-0.5-0.5v0c0-0.277 0.224-0.5 0.5-0.5h1c0.275 0 0.5 0.223 0.5 0.5v0z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">786 622 2224<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8f41390\" data-id=\"8f41390\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a3fe372 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6a3fe372\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.vmalending.net\/book-appointment\">Schedule an appointment<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64ad915e elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"64ad915e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to make home ownership a reality?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57392156 elementor-widget__width-inherit elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"57392156\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-435e9095 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"435e9095\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div 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