ABOUT VOM MORTGAGE
Homeownership belongs to every generation.
THE VELOCITY OF MONEY MORTGAGE TEAM
OUR MISSION
"To make homeownership and real estate wealth accessible to every American, regardless of age, income structure, or what they've been told is possible."
For decades, a generation has been told that homeownership is out of reach, that they should rent longer, save more, wait until their finances are "perfect." We reject that narrative. The barriers to ownership are real, but they are not permanent. They are navigable.
VOM Mortgage was built on the conviction that the right lender, the right program, and the right education can change someone's financial trajectory permanently. Owning even one property changes what the next twenty years of someone's life can look like.
That's why we operate with a direct banking credit line, 55+ wholesale lending ,relationships, and 35+ loan programs. because no borrower should be turned away simply because a retail bank's product shelf was too narrow.
Do not withhold good from those to whom it is due, when it is in your power to act.
PROVERBS 3:27 · A PRINCIPLE WE BUILD BY
CORE PRINCIPLES
The foundation
we operate on.
Integrity First
We tell you what you need to hear, not what you want to hear. Every recommendation is in your interest, not ours. No exceptions, no matter the deal size.
Stewardship of Capital
A mortgage is the largest financial decision most people ever make. We structure every loan as if it were our own money and our own family's future on the line.
Radical Transparency
No hidden fees. No bait-and-switch rates. No surprises at the closing table. You understand exactly what you're signing and what it costs, every time.
Generational Impact
We think about what this property means five, ten, twenty years from now. Every approval is the beginning of someone's wealth story, and we take the long view.
Service Above Self
We are here to serve, our borrowers, our partners, our team, our communities. The moment we put our own interests first, we've lost everything that matters.
Excellence in Execution
Good intentions without follow-through are worthless. We close on time. We answer the same day. We do exactly what we say we're going to do, every single time.
OUR TEAM
The people behind
every closing.
Every loan has a dedicated professional managing it start to finish. You'll always know who to call.
FOUNDER - PRINCIPAL - MANAGING LOAN OFFICER
$3B+
LOAN VOLUME CLOSED
25+
YEARS OF EXPERIENCE
1k+
PROFESSIONALS TRAINED
Frank Dippold
Frank Dippold is one of the most experienced mortgage professionals in the country. Over a career spanning two plus decades, he has closed over $3 billion in loan volume, owned and operated three mortgage companies, and held senior positions at major institutions including Wells Fargo. He has trained thousands of real estate professionals across the country on buying, investing, and building wealth through real estate. His passion for education is the DNA behind everything VOM Mortgage is built on.
EXECUTIVE ADMIN
Jasmine Nguyen
CLIENT RELATIONS COORDINATOR
Dario Loyo
OPERATIONS MANAGER
Matt Elmas
NMLS: 1039345
LOAN PARTNER
Cole Groeneveld
NMLS: 2811890
LOAN OFFICER
Jessica Gallardo-Green
NMLS: 2069077
LOAN OFFICER
Rey Aparicio
NMLS: 1823942
LOAN OFFICER
Shawn Collins
NMLS: 1481874
LOAN OFFICER
Alves Santana
NMLS: 1985349
LOAN OFFICER
Nick Keblish
NMLS: 1995055
LOAN OFFICER
Jimmy Cheng
NMLS: 789104
LOAN OFFICER
Drini Begu
NMLS: 2251308
LOAN OFFICER
Peter Nagy
NMLS: 207869
LOAN OFFICER
John Pilling
NMLS: 1532572
LOAN OFFICER
Join a team that’s building something real.
WHERE WE OPERATE
Physical offices.
Unlimited reach.
NEW JERSEY
244 Chestnut St
Suite 203
Nutley, NJ 07110
NMLS #2503260
(201) 555-0100
FLORIDA
7353 International Pl, Unit 301
Lakewood Ranch, FL 34240
NMLS #2503260
(941) 251-0501
LICENSED TO LEND
Nationwide
We lend where the deal is, not just where our office is. Direct licensure and lending partnerships give us market access across the country.
EQUAL HOUSING
Lender
We are committed to fair and equal access to homeownership for every American, without regard to race, color, national origin, religion, or any protected class.
VOM CAREER DEVELOPMENT
Stop leaving
money on the table.
VOM Mortgage is growing its loan officer base. We offer wholesale pricing, direct banking infrastructure, back-office support, and a lead ecosystem through VOM Enterprises, so you can focus on closing deals, not chasing leads.
55+
Wholesale Lenders
Shop the full market for every client. Best rate wins, always.
35+
Loan Programs
Close deals other LOs turn away. Non-QM, DSCR, construction, and more.
Banker+
Banking & Broker
Lend direct from our credit line or shop wholesale. Your call on every deal.
Nationwide
Physcial Offices
NJ and FL headquarters with full processing, underwriting, and HR on-site.
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.