At VMA Lending, we specialize in customized residential mortgage solutions for both home purchases and refinances.<\/strong>Our personalized approach allows us to offer a wide range of loan programs tailored to meet your unique needs, including:<\/p>Conventional Loans<\/strong> \u2013 including FNMA\/FHLMC specialty products<\/p><\/li>High LTV Options<\/strong> \u2013 up to 90% LTV with no mortgage insurance and 95% LTV for borrowers with credit scores as low as 580<\/p><\/li>Fixed-Rate and Adjustable-Rate Mortgages (ARMs)<\/strong> \u2013 available in 15- to 30-year terms<\/p><\/li>FHA, VA, and USDA Loans<\/strong> \u2013 ideal for first-time buyers, veterans, and rural homeowners<\/p><\/li>Jumbo Loans<\/strong> \u2013 for higher-value properties<\/p><\/li>Reverse Mortgages<\/strong> \u2013 providing financial flexibility for seniors<\/p><\/li>Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" 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class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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07:36:46","created":"2025-06-29 22:19:06","updated":"2026-10-09 13:25:05","primary_term":null,"og_image_url":null,"og_image_width":null,"og_image_height":null,"twitter_image_url":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"limit_modified_date":false,"ai":null,"breadcrumb_settings":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/vmalending.net\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tAbout Us\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/vmalending.net\/"},{"label":"About Us","link":"https:\/\/vmalending.net\/?page_id=9"}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9"}],"version-history":[{"count":33,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions"}],"predecessor-version":[{"id":3442,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions\/3442"}],"wp:attachment":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Conventional Loans<\/strong> \u2013 including FNMA\/FHLMC specialty products<\/p><\/li>High LTV Options<\/strong> \u2013 up to 90% LTV with no mortgage insurance and 95% LTV for borrowers with credit scores as low as 580<\/p><\/li>Fixed-Rate and Adjustable-Rate Mortgages (ARMs)<\/strong> \u2013 available in 15- to 30-year terms<\/p><\/li>FHA, VA, and USDA Loans<\/strong> \u2013 ideal for first-time buyers, veterans, and rural homeowners<\/p><\/li>Jumbo Loans<\/strong> \u2013 for higher-value properties<\/p><\/li>Reverse Mortgages<\/strong> \u2013 providing financial flexibility for seniors<\/p><\/li>Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{"jet_parallax_layout_list":[{"jet_parallax_layout_image":{"url":"","id":"","size":""},"_id":"b42324b","jet_parallax_layout_image_tablet":{"url":"","id":"","size":""},"jet_parallax_layout_image_mobile":{"url":"","id":"","size":""},"jet_parallax_layout_speed":{"unit":"%","size":50,"sizes":[]},"jet_parallax_layout_type":"scroll","jet_parallax_layout_direction":"1","jet_parallax_layout_fx_direction":null,"jet_parallax_layout_z_index":"","jet_parallax_layout_bg_x":50,"jet_parallax_layout_bg_x_tablet":"","jet_parallax_layout_bg_x_mobile":"","jet_parallax_layout_bg_y":50,"jet_parallax_layout_bg_y_tablet":"","jet_parallax_layout_bg_y_mobile":"","jet_parallax_layout_bg_size":"auto","jet_parallax_layout_bg_size_tablet":"","jet_parallax_layout_bg_size_mobile":"","jet_parallax_layout_animation_prop":"transform","jet_parallax_layout_on":["desktop","tablet"]}],"background_background":"classic"}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6760ca\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"59\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"59\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">FHA \/ CONVENTIONAL<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-afe58ef\" data-id=\"afe58ef\" data-element_type=\"column\" data-e-type=\"column\">\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-b6fe938 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6fe938\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"22\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"22\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">ALTERNATIVE \/ REVERSE MORTGAGES<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-e559503\" data-id=\"e559503\" data-element_type=\"column\" data-e-type=\"column\">\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-0843e60 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"0843e60\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-0843e60\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-0843e60\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"11\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"11\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">CONSTRUCTION \/ PRIVATE LENDING<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-42bb8e5\" data-id=\"42bb8e5\" data-element_type=\"column\" data-e-type=\"column\">\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-16591f4 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"16591f4\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-16591f4\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" 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LENDING<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>WELCOME Who We Are Linkedin-in Twitter Facebook-f Instagram Medium At VMA Lending, we specialize in customized residential mortgage solutions for both home purchases and refinances.Our personalized approach allows us to offer a wide range of loan programs tailored to meet your unique needs, including: Conventional Loans \u2013 including FNMA\/FHLMC specialty products High LTV Options \u2013 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One 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High LTV Options<\/strong> \u2013 up to 90% LTV with no mortgage insurance and 95% LTV for borrowers with credit scores as low as 580<\/p><\/li>Fixed-Rate and Adjustable-Rate Mortgages (ARMs)<\/strong> \u2013 available in 15- to 30-year terms<\/p><\/li>FHA, VA, and USDA Loans<\/strong> \u2013 ideal for first-time buyers, veterans, and rural homeowners<\/p><\/li>Jumbo Loans<\/strong> \u2013 for higher-value properties<\/p><\/li>Reverse Mortgages<\/strong> \u2013 providing financial flexibility for seniors<\/p><\/li>Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" 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class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6760ca\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"59\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"59\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">FHA \/ CONVENTIONAL<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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 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07:36:46","created":"2025-06-29 22:19:06","updated":"2026-10-09 13:25:05","primary_term":null,"og_image_url":null,"og_image_width":null,"og_image_height":null,"twitter_image_url":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"limit_modified_date":false,"ai":null,"breadcrumb_settings":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/vmalending.net\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tAbout Us\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/vmalending.net\/"},{"label":"About Us","link":"https:\/\/vmalending.net\/?page_id=9"}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9"}],"version-history":[{"count":33,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions"}],"predecessor-version":[{"id":3442,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions\/3442"}],"wp:attachment":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Fixed-Rate and Adjustable-Rate Mortgages (ARMs)<\/strong> \u2013 available in 15- to 30-year terms<\/p><\/li>FHA, VA, and USDA Loans<\/strong> \u2013 ideal for first-time buyers, veterans, and rural homeowners<\/p><\/li>Jumbo Loans<\/strong> \u2013 for higher-value properties<\/p><\/li>Reverse Mortgages<\/strong> \u2013 providing financial flexibility for seniors<\/p><\/li>Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" 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FHA, VA, and USDA Loans<\/strong> \u2013 ideal for first-time buyers, veterans, and rural homeowners<\/p><\/li>Jumbo Loans<\/strong> \u2013 for higher-value properties<\/p><\/li>Reverse Mortgages<\/strong> \u2013 providing financial flexibility for seniors<\/p><\/li>Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{"jet_parallax_layout_list":[{"jet_parallax_layout_image":{"url":"","id":"","size":""},"_id":"b42324b","jet_parallax_layout_image_tablet":{"url":"","id":"","size":""},"jet_parallax_layout_image_mobile":{"url":"","id":"","size":""},"jet_parallax_layout_speed":{"unit":"%","size":50,"sizes":[]},"jet_parallax_layout_type":"scroll","jet_parallax_layout_direction":"1","jet_parallax_layout_fx_direction":null,"jet_parallax_layout_z_index":"","jet_parallax_layout_bg_x":50,"jet_parallax_layout_bg_x_tablet":"","jet_parallax_layout_bg_x_mobile":"","jet_parallax_layout_bg_y":50,"jet_parallax_layout_bg_y_tablet":"","jet_parallax_layout_bg_y_mobile":"","jet_parallax_layout_bg_size":"auto","jet_parallax_layout_bg_size_tablet":"","jet_parallax_layout_bg_size_mobile":"","jet_parallax_layout_animation_prop":"transform","jet_parallax_layout_on":["desktop","tablet"]}],"background_background":"classic"}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6760ca\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"59\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"59\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">FHA \/ CONVENTIONAL<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-afe58ef\" data-id=\"afe58ef\" data-element_type=\"column\" data-e-type=\"column\">\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-b6fe938 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6fe938\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"22\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"22\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">ALTERNATIVE \/ REVERSE MORTGAGES<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-e559503\" data-id=\"e559503\" data-element_type=\"column\" data-e-type=\"column\">\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-0843e60 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"0843e60\" data-element_type=\"widget\" data-e-type=\"widget\" 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Jumbo Loans<\/strong> \u2013 for higher-value properties<\/p><\/li>Reverse Mortgages<\/strong> \u2013 providing financial flexibility for seniors<\/p><\/li>Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" 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class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-b6760ca\" 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to","twitter:image":"https:\/\/vmalending.net\/wp-content\/uploads\/2025\/07\/cropped-Logo-red-blue-silver-next-135.png"},"aioseo_meta_data":{"post_id":"9","title":null,"description":null,"keywords":null,"keyphrases":{"focus":[],"additional":[]},"canonical_url":null,"og_title":null,"og_description":null,"og_object_type":"default","og_image_type":"default","og_image_custom_url":null,"og_image_custom_fields":null,"og_custom_image_width":null,"og_custom_image_height":null,"og_video":null,"og_custom_url":null,"og_article_section":null,"og_article_tags":null,"twitter_use_og":true,"twitter_card":"default","twitter_image_type":"default","twitter_image_custom_url":null,"twitter_image_custom_fields":null,"twitter_title":null,"twitter_description":null,"schema_type":null,"schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":null,"robots_max_videopreview":null,"robots_max_imagepreview":"none","tabs":null,"priority":null,"frequency":null,"local_seo":null,"seo_analyzer_scan_date":"2026-10-09 07:36:46","created":"2025-06-29 22:19:06","updated":"2026-10-09 13:25:05","primary_term":null,"og_image_url":null,"og_image_width":null,"og_image_height":null,"twitter_image_url":null,"schema":{"blockGraphs":[],"customGraphs":[],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"WebPage","isEnabled":true},"graphs":[]},"limit_modified_date":false,"ai":null,"breadcrumb_settings":null,"focus_keyword":null,"additional_keywords":null,"truseo_locale":null},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/vmalending.net\/\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tAbout Us\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/vmalending.net\/"},{"label":"About Us","link":"https:\/\/vmalending.net\/?page_id=9"}],"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9"}],"version-history":[{"count":33,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions"}],"predecessor-version":[{"id":3442,"href":"https:\/\/vmalending.net\/index.php?rest_route=\/wp\/v2\/pages\/9\/revisions\/3442"}],"wp:attachment":[{"href":"https:\/\/vmalending.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
Reverse Mortgages<\/strong> \u2013 providing financial flexibility for seniors<\/p><\/li>Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" 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class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6760ca\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"59\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"59\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">FHA \/ CONVENTIONAL<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-afe58ef\" data-id=\"afe58ef\" data-element_type=\"column\" data-e-type=\"column\">\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-b6fe938 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6fe938\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"22\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"22\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">ALTERNATIVE \/ REVERSE MORTGAGES<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-e559503\" data-id=\"e559503\" data-element_type=\"column\" data-e-type=\"column\">\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-0843e60 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"0843e60\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-0843e60\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"11\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"11\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">CONSTRUCTION \/ PRIVATE LENDING<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-42bb8e5\" data-id=\"42bb8e5\" data-element_type=\"column\" data-e-type=\"column\">\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-16591f4 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"16591f4\" data-element_type=\"widget\" data-e-type=\"widget\" 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stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"8\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"8\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">COMMERCIAL LENDING<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>WELCOME Who We Are Linkedin-in Twitter Facebook-f Instagram Medium At VMA Lending, we specialize in customized residential mortgage solutions for both home purchases and refinances.Our personalized approach allows us to offer a wide range of loan programs tailored to meet your unique needs, including: Conventional Loans \u2013 including FNMA\/FHLMC specialty products High LTV Options \u2013 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One 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Home Equity Lines of Credit (HELOCs)<\/strong> \u2013 for accessing home equity<\/p><\/li>Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{"jet_parallax_layout_list":[{"jet_parallax_layout_image":{"url":"","id":"","size":""},"_id":"b42324b","jet_parallax_layout_image_tablet":{"url":"","id":"","size":""},"jet_parallax_layout_image_mobile":{"url":"","id":"","size":""},"jet_parallax_layout_speed":{"unit":"%","size":50,"sizes":[]},"jet_parallax_layout_type":"scroll","jet_parallax_layout_direction":"1","jet_parallax_layout_fx_direction":null,"jet_parallax_layout_z_index":"","jet_parallax_layout_bg_x":50,"jet_parallax_layout_bg_x_tablet":"","jet_parallax_layout_bg_x_mobile":"","jet_parallax_layout_bg_y":50,"jet_parallax_layout_bg_y_tablet":"","jet_parallax_layout_bg_y_mobile":"","jet_parallax_layout_bg_size":"auto","jet_parallax_layout_bg_size_tablet":"","jet_parallax_layout_bg_size_mobile":"","jet_parallax_layout_animation_prop":"transform","jet_parallax_layout_on":["desktop","tablet"]}],"background_background":"classic"}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6760ca\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"59\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"59\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">FHA \/ CONVENTIONAL<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-afe58ef\" data-id=\"afe58ef\" data-element_type=\"column\" data-e-type=\"column\">\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-b6fe938 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6fe938\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"22\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"22\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">ALTERNATIVE \/ REVERSE MORTGAGES<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-e559503\" data-id=\"e559503\" data-element_type=\"column\" data-e-type=\"column\">\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-0843e60 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"0843e60\" data-element_type=\"widget\" data-e-type=\"widget\" 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Commercial Lending<\/strong> \u2013 for investment and business property financing<\/p><\/li><\/ul>No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tThe founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" 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class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.<\/p>\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<\/div>\n\t\t\t\t
The founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then\u2014just like the clients we proudly serve\u2014our growth and success have steadily flourished.<\/p>
We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we\u2019re proud to have funded over $68 million in home loans<\/strong>\u2014helping families across our communities turn homeownership into a reality.<\/p>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tMessage from<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tAbel Medero, MLO 1010813<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tAt VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n\t\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\tStart Qualification<\/span>\t\t<\/div>\n\t\t\n\t\t\tNOW<\/span>\t\t<\/div>\n\t<\/a>\n<\/div>\n<\/div>\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\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\n<\/video>\n\n<\/path><\/svg><\/span>\tPlay Video<\/span>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tWho we are<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\tFAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\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\n\t\t\t\t\n\t\t\t\t\t\t\t\t\tFor more than 40 years, we\u2019ve been passionate about achieving better results for our clients.\n\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\tplus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">1. What do we do?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1981\" class=\"jet-toggle__content\" data-toggle=\"1\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p>At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage\u2014FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1982\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"2\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1982\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">2. What industries do we specialize in?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1982\" class=\"jet-toggle__content\" data-toggle=\"2\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"84\">At VMA Lending, we specialize in mortgage solutions across the following industries:<\/p><ul data-start=\"86\" data-end=\"692\"><li data-start=\"86\" data-end=\"180\"><p data-start=\"88\" data-end=\"180\"><strong data-start=\"88\" data-end=\"115\">Residential Real Estate<\/strong> \u2013 First-time homebuyers, primary residences, and second homes.<\/p><\/li><li data-start=\"181\" data-end=\"264\"><p data-start=\"183\" data-end=\"264\"><strong data-start=\"183\" data-end=\"209\">Real Estate Investment<\/strong> \u2013 DSCR, fix-and-flip, and rental property financing.<\/p><\/li><li data-start=\"265\" data-end=\"349\"><p data-start=\"267\" data-end=\"349\"><strong data-start=\"267\" data-end=\"301\">Self-Employed & Small Business<\/strong> \u2013 Bank statement, P&L, and 1099 income loans.<\/p><\/li><li data-start=\"350\" data-end=\"437\"><p data-start=\"352\" data-end=\"437\"><strong data-start=\"352\" data-end=\"375\">Veterans & Military<\/strong> \u2013 VA loans tailored for active and retired service members.<\/p><\/li><li data-start=\"438\" data-end=\"532\"><p data-start=\"440\" data-end=\"532\"><strong data-start=\"440\" data-end=\"474\">Healthcare & Essential Workers<\/strong> \u2013 Hometown Heroes and down payment assistance programs.<\/p><\/li><li data-start=\"533\" data-end=\"605\"><p data-start=\"535\" data-end=\"605\"><strong data-start=\"535\" data-end=\"556\">Foreign Nationals<\/strong> \u2013 Investment financing for non-U.S. residents.<\/p><\/li><li data-start=\"606\" data-end=\"692\"><p data-start=\"608\" data-end=\"692\"><strong data-start=\"608\" data-end=\"641\">Retirees & Asset-Rich Clients<\/strong> \u2013 Asset qualifier and reverse mortgage programs.<\/p><\/li><\/ul><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1983\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"3\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1983\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">3. Can we guarantee that we can get you a mortgage?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1983\" class=\"jet-toggle__content\" data-toggle=\"3\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"0\" data-end=\"99\">No, <strong data-start=\"4\" data-end=\"27\">we cannot guarantee<\/strong> that you will get a mortgage\u2014no reputable lender or broker legally can.<\/p><p data-start=\"101\" data-end=\"150\">However, <strong data-start=\"110\" data-end=\"146\">what VMA Lending <em data-start=\"129\" data-end=\"134\">can<\/em> guarantee<\/strong> is:<\/p><ul data-start=\"152\" data-end=\"468\"><li data-start=\"152\" data-end=\"238\"><p data-start=\"154\" data-end=\"238\">We will explore <em data-start=\"170\" data-end=\"194\">every available option<\/em> to find the best loan for your situation.<\/p><\/li><li data-start=\"239\" data-end=\"334\"><p data-start=\"241\" data-end=\"334\">You\u2019ll receive honest, expert guidance from professionals with <strong data-start=\"304\" data-end=\"331\">30+ years of experience<\/strong>.<\/p><\/li><li data-start=\"335\" data-end=\"402\"><p data-start=\"337\" data-end=\"402\">We will communicate clearly and work tirelessly on your behalf.<\/p><\/li><li data-start=\"403\" data-end=\"468\"><p data-start=\"405\" data-end=\"468\">We treat every client like family\u2014your success is our priority.<\/p><\/li><\/ul><p data-start=\"470\" data-end=\"567\" data-is-last-node=\"\" data-is-only-node=\"\">Let us earn your trust and help you get one step closer to homeownership or your next investment.<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div><div class=\" jet-accordion__item jet-toggle jet-toggle-move-up-effect \">\n\t\t\t\t\t\t\t<div id=\"jet-toggle-control-1984\" class=\"jet-toggle__control elementor-menu-anchor\" data-toggle=\"4\" data-update-url=\"false\" data-url-id=\"\" role=\"button\" tabindex=\"0\" aria-controls=\"jet-toggle-content-1984\" aria-expanded=\"false\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__label-icon jet-toggle-icon-position-right\"><span class=\"jet-toggle__icon icon-normal jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>plus<\/title><path d=\"M29.6 16h-13.6v-13.6c0-0.442-0.358-0.8-0.8-0.8s-0.8 0.358-0.8 0.8v13.6h-13.6c-0.442 0-0.8 0.358-0.8 0.8s0.358 0.8 0.8 0.8h13.6v13.6c0 0.442 0.358 0.8 0.8 0.8s0.8-0.358 0.8-0.8v-13.6h13.6c0.442 0 0.8-0.358 0.8-0.8s-0.358-0.8-0.8-0.8z\"><\/path><\/svg><\/span><span class=\"jet-toggle__icon icon-active jet-tabs-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"32\" height=\"32\" viewBox=\"0 0 32 32\"><title>minus<\/title><path d=\"M29.6 17.6h-28.8c-0.442 0-0.8-0.358-0.8-0.8s0.358-0.8 0.8-0.8h28.8c0.442 0 0.8 0.358 0.8 0.8s-0.358 0.8-0.8 0.8z\"><\/path><\/svg><\/span><\/div><span class=\"jet-toggle__label-text\">4. How long does the homebuying process take from start to finish?<\/span>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div id=\"jet-toggle-content-1984\" class=\"jet-toggle__content\" data-toggle=\"4\" role=\"region\" data-template-id=\"false\">\n\t\t\t\t\t\t\t\t<div class=\"jet-toggle__content-inner\"><p data-start=\"69\" data-end=\"249\">The homebuying process typically takes <strong data-start=\"108\" data-end=\"125\">30 to 45 days<\/strong> from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:<\/p><h3 data-start=\"251\" data-end=\"272\">General Timeline:<\/h3><ol data-start=\"273\" data-end=\"596\"><li data-start=\"273\" data-end=\"308\"><p data-start=\"276\" data-end=\"308\"><strong data-start=\"276\" data-end=\"292\">Pre-Approval<\/strong> \u2013 1 to 2 days<\/p><\/li><li data-start=\"309\" data-end=\"368\"><p data-start=\"312\" data-end=\"368\"><strong data-start=\"312\" data-end=\"335\">Home Search & Offer<\/strong> \u2013 Varies (a few days to weeks)<\/p><\/li><li data-start=\"369\" data-end=\"596\"><p data-start=\"372\" data-end=\"429\"><strong data-start=\"372\" data-end=\"401\">Under Contract to Closing<\/strong> \u2013 Typically 30 to 45 days<\/p><ul data-start=\"433\" data-end=\"596\"><li data-start=\"433\" data-end=\"457\"><p data-start=\"435\" data-end=\"457\">Appraisal: 5\u201310 days<\/p><\/li><li data-start=\"461\" data-end=\"485\"><p data-start=\"463\" data-end=\"485\">Inspection: 5\u20137 days<\/p><\/li><li data-start=\"489\" data-end=\"529\"><p data-start=\"491\" data-end=\"529\">Underwriting & Conditions: 1\u20132 weeks<\/p><\/li><li data-start=\"533\" data-end=\"596\"><p data-start=\"535\" data-end=\"596\">Final Approval & Closing Disclosure: 3+ days before closing<\/p><\/li><\/ul><\/li><\/ol><h3 data-start=\"598\" data-end=\"629\">Factors That Affect Timing:<\/h3><ul data-start=\"630\" data-end=\"818\"><li data-start=\"630\" data-end=\"686\"><p data-start=\"632\" data-end=\"686\">Your loan type (FHA, VA, conventional, Non-QM, etc.)<\/p><\/li><li data-start=\"687\" data-end=\"718\"><p data-start=\"689\" data-end=\"718\">Speed of your documentation<\/p><\/li><li data-start=\"719\" data-end=\"744\"><p data-start=\"721\" data-end=\"744\">The seller\u2019s timeline<\/p><\/li><li data-start=\"745\" data-end=\"778\"><p data-start=\"747\" data-end=\"778\">Appraisal and title clearance<\/p><\/li><li data-start=\"779\" data-end=\"818\"><p data-start=\"781\" data-end=\"818\">Association approvals (if applicable)<\/p><\/li><\/ul><p data-start=\"820\" data-end=\"990\" data-is-last-node=\"\" data-is-only-node=\"\">At VMA Lending, we aim to make the process <strong data-start=\"863\" data-end=\"901\">smooth, efficient, and stress-free<\/strong>, keeping you informed every step of the way. Ready to start? Let\u2019s get you pre-approved!<\/p><\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-03f5d7a elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"03f5d7a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{"jet_parallax_layout_list":[{"jet_parallax_layout_image":{"url":"","id":"","size":""},"_id":"b42324b","jet_parallax_layout_image_tablet":{"url":"","id":"","size":""},"jet_parallax_layout_image_mobile":{"url":"","id":"","size":""},"jet_parallax_layout_speed":{"unit":"%","size":50,"sizes":[]},"jet_parallax_layout_type":"scroll","jet_parallax_layout_direction":"1","jet_parallax_layout_fx_direction":null,"jet_parallax_layout_z_index":"","jet_parallax_layout_bg_x":50,"jet_parallax_layout_bg_x_tablet":"","jet_parallax_layout_bg_x_mobile":"","jet_parallax_layout_bg_y":50,"jet_parallax_layout_bg_y_tablet":"","jet_parallax_layout_bg_y_mobile":"","jet_parallax_layout_bg_size":"auto","jet_parallax_layout_bg_size_tablet":"","jet_parallax_layout_bg_size_mobile":"","jet_parallax_layout_animation_prop":"transform","jet_parallax_layout_on":["desktop","tablet"]}],"background_background":"classic"}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\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-25 elementor-top-column elementor-element elementor-element-7495758\" data-id=\"7495758\" data-element_type=\"column\" data-e-type=\"column\">\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-b6760ca elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6760ca\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6760ca\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"59\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"59\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">FHA \/ CONVENTIONAL<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-afe58ef\" data-id=\"afe58ef\" data-element_type=\"column\" data-e-type=\"column\">\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-b6fe938 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"b6fe938\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-b6fe938\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"22\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"22\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">ALTERNATIVE \/ REVERSE MORTGAGES<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-e559503\" data-id=\"e559503\" data-element_type=\"column\" data-e-type=\"column\">\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-0843e60 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"0843e60\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{"circle_size":{"unit":"px","size":208,"sizes":[]},"value_stroke":{"unit":"px","size":5,"sizes":[]},"bg_stroke":{"unit":"px","size":5,"sizes":[]},"circle_size_tablet":{"unit":"px","size":"","sizes":[]},"circle_size_mobile":{"unit":"px","size":"","sizes":[]},"value_stroke_tablet":{"unit":"px","size":"","sizes":[]},"value_stroke_mobile":{"unit":"px","size":"","sizes":[]},"bg_stroke_tablet":{"unit":"px","size":"","sizes":[]},"bg_stroke_mobile":{"unit":"px","size":"","sizes":[]}}\" data-widget_type=\"jet-circle-progress.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-circle-progress jet-elements\"><div class=\"circle-progress-wrap\" data-duration=\"1000\">\n\t<div class=\"circle-progress-bar\">\n\t\n\n<svg class=\"circle-progress\" width=\"208\" height=\"208\" viewBox=\"0 0 208 208\" data-radius=\"101.5\" data-circumference=\"637.74330867873\">\n\t<linearGradient id=\"circle-progress-meter-gradient-0843e60\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-0843e60\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<circle\n\t\tclass=\"circle-progress__meter\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#00295B\"\n\t\tstroke-width=\"5\"\n\t\tfill=\"none\"\n\t\/>\n\t<circle\n\t\tclass=\"circle-progress__value\"\n\t\tcx=\"104\"\n\t\tcy=\"104\"\n\t\tr=\"101.5\"\n\t\tstroke=\"#F12C30\"\n\t\tstroke-width=\"5\"\n\t\tdata-value=\"11\"\n\t\tstyle=\"stroke-dasharray: 637.74330867873; stroke-dashoffset: 637.74330867873;\"\n\t\tfill=\"none\"\n\t\/>\n<\/svg>\n<div class=\"position-in-circle\"><div class=\"circle-counter\">\n\t\t<div class=\"circle-val\"><span class=\"circle-counter__number\" data-to-value=\"11\" data-delimiter=\",\">0<\/span><span class=\"circle-counter__suffix\">%<\/span><\/div>\n\t\t\t<div class=\"circle-counter__content\">\n\t\t<div class=\"circle-counter__title\">CONSTRUCTION \/ PRIVATE LENDING<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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-25 elementor-top-column elementor-element elementor-element-42bb8e5\" data-id=\"42bb8e5\" data-element_type=\"column\" data-e-type=\"column\">\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-16591f4 elementor-widget elementor-widget-jet-circle-progress\" data-id=\"16591f4\" data-element_type=\"widget\" data-e-type=\"widget\" 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gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-meter-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-meter-gradient-b\" offset=\"100%\" stop-color=\"\"\/>\n\t<\/linearGradient>\n\t<linearGradient id=\"circle-progress-value-gradient-16591f4\" gradientUnits=\"objectBoundingBox\" gradientTransform=\"rotate(0 0.5 0.5)\" x1=\"-0.25\" y1=\"0.5\" x2=\"1.25\" y2=\"0.5\">\n\t\t<stop class=\"circle-progress-value-gradient-a\" offset=\"0%\" stop-color=\"\"\/>\n\t\t<stop class=\"circle-progress-value-gradient-b\" offset=\"100%\" 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LENDING<\/div>\t\t\t<\/div>\n\t<\/div><\/div>\t<\/div>\n\t<\/div><\/div>\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<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>WELCOME Who We Are Linkedin-in Twitter Facebook-f Instagram Medium At VMA Lending, we specialize in customized residential mortgage solutions for both home purchases and refinances.Our personalized approach allows us to offer a wide range of loan programs tailored to meet your unique needs, including: Conventional Loans \u2013 including FNMA\/FHLMC specialty products High LTV Options \u2013 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"class_list":["post-9","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One 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At VMA Lending LLC, we understand that financing your home or investment property is more than just numbers\u2014it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t