FULL SERVICE NATIONWIDE MORTGAGE BANKER
Capital that moves with purpose.
Velocity of Money Mortgage provides institutional-grade lending solutions for homebuyers, investors, and real estate professionals across the country, combining the pricing power of a bank with the flexibility of wholesale access.
35+
LOAN PROGRAMS
55+
LENDER NETWORK
48hr
PRE-APPROVAL
A GLIMPSE OF OUR LENDING SOLUTIONS
Every loan you need,
one institution.
01
Conventional
Primary, Secondary, and investment. Down to 3% with strong credit. Conforming and high-balance available
02
FHA
Government -backed with 3.5% minimum down. Flexible guidelines for first-time buyers and lower credit scores.
03
VA Loan
Zero down for eligible veterans, active duty, and serving spouses. No PMI. No conforming limits.
04
Jumbo
Loan amounts above conforming limits. Competitive rates for high-value purchases in NJ and FL markets.
05
DSCR/Investor
Qualify on rental income, not your W-2. DSCR as low as -.75x STR, LTR, and multifamily eligible.
06
Non-QM
Bank statement, 1099, asset depletion, P&L loans. Solutions for the self-employed and complex borrowers.
07
New Construction
One-time close and two-time close options. Lock your rate at contract for build-to-close protection
08
Hard Money
Bridge, fix-and-flip, and short-term capital. Close in days, not weeks. Asset-based underwriting
WHO WE ARE
Banking Strength.
Wholesale flexibility.
VOM Mortgage is a licensed mortgage bank with a dedicated wholesale credit line and access to 55+ lending partners nationwide. We combine the rate competitiveness of direct banking with the flexibility to shop the market. Every borrower gets the right product at the right price, not just what one shelf offers.
Bank + Wholesale Access
We lend directly and shop wholesale, giving you the best of both worlds. Better pricing, more options, one team.
Full Spectrum Lending
From first-time buyers to seasoned investors, 35+ programs including conventional, government, non-QM, and investor products, all under one roof.
Nationwide Access
Through direct licensing and lending partnerships, we serve borrowers across the country.
CLIENT EXPERIENCE
Hear it from the
people we've closed.
"
VOM didn't just get us a loan, they structured our financing around our investment strategy. Closed our DSCR in 18 days. We've since done three more deals with them.
Marcus T. : DSCR Investment Portfolio Borrower
"
As a self-employed borrower I'd been turned down twice before. VOM put us in a bank statement program and we closed in 30 days. First home after seven years of trying.
Rachel & James P. : Primary Residence Borrower
THE VOM DIFFERENCE
Why our model
wins for borrowers.
Bank Direct. Shop Wholesale.
We hold our own wholesale credit line and maintain relationships with 55+ lending partners. That means we can lend directly when it's the right call, and shop the market when it isn't, always optimizing for your rate, terms, and closing costs.
55+
LENDING PARTNERS NATIONWIDE
Creative Structuring
Complex income, unique properties, multiple entities, we engineer solutions that retail lenders turn down.
Investor-First Mindset
Backed by the VOM Enterprises ecosystem, we speak the language of real estate investors, not just homebuyers.
Speed & Transparency
48-hour pre-approvals. Real-time updates. No black-box processing, you always know where your loan stands.
Nationwide Reach
With physical offices and lending partnerships spanning the country, we serve borrowers wherever the deal is not just where our office is.
OUR LOCAL OFFICES
Local Presence.
National Reach.
NEW JERSEY
244 Chestnut St,
Suite 203
Nutley, NJ 07110
NMLS #2503260
NJ License #[LIC#]
(201) 555-0100
FLORIDA
7353 International Place,
Unit 301
Lakewood Ranch, FL 34240
NMLS #2503260
FL License #[LIC#]
(941) 251-0501
THE VOM ECOSYSTEM
Part of
something larger.
GROW WITH US
VOM Career Development
VOM Mortgage gives loan officers wholesale access, back-office support, and a built-in lead ecosystem, so you can close more, earn more, and build a book of business that's actually yours.
EDUCATION & FINANCIAL GROWTH
VOM Enterprises
The marketing and education arm. Tailored services for homebuyers, investors, and real estate agents. Seminars, agent software platforms, coaching, and wealth building education.
Ready to find your
best loan? Let's talk.r.
LICENSED TO LEAD NATIONWIDE THROUGH DIRECT LICENSURE AND LENDING PARTNERSHIP
PHONE: +1 (941) 251-0501
EMAIL: [email protected]
LOAN PROGRAMS
COMPANY
VOM ECOSYSTEM
VOM Mortgage | NMLS #2503260. This is not a commitment to lend. All loans subject to underwriting approval, credit and income verification, appraisal, and satisfactory title. Rates and programs subject to change without notice. Equal Housing Lender. Pre-qualification does not guarantee loan approval. Any pre-qualification is based on a soft credit inquiry and unverified information. © 2025 VOM Mortgage. All rights reserved.