LENDING SOLUTIONS
The right loan for every scenario.
VOM Mortgage combines direct banking capital with wholesale market access, giving us 35+ programs to match any borrower, property type, or investment strategy.
35+
Loan Programs
Conventional through Non-QM
55+
Lending Partners
We shop the full market
48hr
Pre-Approval
Soft pull, no score impact
Nationwide
Licensed to Lend
Direct & partner channels
RESIDENTIAL LENDING
Primary & Secondary
homeownership
Our core residential programs cover every purchase and refinance scenario, from first-time buyers putting 3% down to high-net-worth clients financing luxury properties. Conforming, high-balance, and jumbo all under one roof.
01
Conventional
Primary, Secondary & Investment. Down to 3% with strong credit. Conforming and high-balance options available.
3% Down
REFI
CASH-OUT
02
Jumbo
Above-conforming loan amounts for high-value purchases and refinances. Competitive pricing for qualified borrows.
LUXURY
SUPER JUMBO
03
HELOC & Renovation
Access your equity or finance improvements for your property. FHA 203(k), Fannie Mae HomeStyle, and HELOC products
HELOC
203(K)
HOMESTYLE
GOVERNMENT PROGRAMS
Backed by the
federal government.
FHA, VA, and USDA programs exist to make homeownership accessible where conventional lending falls short, lower down payments, more flexible credit guidelines, and in some cases zero down entirely. We are specialized in all three.
04
FHA
Government-backed with 3.5% minimum down from 580 credit. Multiple variants including 203(k) renovation and streamline refinance.
3.5% Down
FIRST-TIME
580+ CREDIT
05
VA Loan
Zero down for eligible veterans, active duty, and surviving spouses. NO PMI. No conforming limits. One of the most powerful products available.
$0 DOWN
NO PMI
VETERANS
06
USDA
100% financing available for eligible rural and suburban properties. Below-market mortgage insurance and flexible income guidelines.
$0 DOWN
RURAL ELIGIBLE
INVESTORS AND ALT LENDING
Built for those
who build portfolios.
Real estate investors and self-employed borrowers have always been underserved by retail banks. Our investor and alternative documentation programs are structured around how you actually generate income, not how a W-2 employee does.
07
DSCR
Qualify on rental income, no W-2, no tax returns. DSCR as low as 0.75x, STR, LTR, and LLC vesting all eligible.
NO W-2
INVESTORS
LLC OK
08
Non QM / Alt Doc
Options built for those who are self-employed, business owners, high-net-worth individuals, and foreign nationals.
SELF EMPLOYED
1099
09
Hard Money & Bridge
Asset-based capital for fix-and-flip, bridge, and short-term deals. Underwritten on the property.
FIX & FLIP
BRIDGE
FAST CLOSE
Need a multifamily, ground-up, or portfolio loan?
We have programs beyond what's listed. Talk to a loan officer.
CONSTRUCTION LENDING
Finance the build,
own the outcome.
Building from the ground up requires a lender who understands how construction financing actually works, draw schedules, builder requirements, rate lock protection, and the transition to permanent financing. We've structured it all.
10
New Constructions
One-time close wraps construction and permanent financing into a single loan, one application, one approval, one closing. Lock your rate at contract and carry it through completion.
ONE-TIME CLOSE
RATE LOCK
GROUND UP
PROGRAM OPTIONS
One-Time Close (OTC)
Two-Time Close
Construction-to-Perm
Spec Build Financing
KEY DETAILS
640+ credit score
Licensed builder required
5- 20% down
Lot equity may substitute
HOW IT WORKS
From application
to keys in hand.
A dedicated loan officer manages your file from first contact to funding day. Real-time updates, no black-box processing, and a team that moves with intention, not excuses.
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
Ready to write your own story? Let's get to work
THE VOM ADVANTAGE
Banking strength.
Wholesale flexibility.
Most lenders hand you one rate from one shelf. VOM holds a direct wholesale credit line and 55+ lending relationships, so every loan is optimized across the full market, not just what one institution approves.
FEATURE
RETAIL BANK
VOM MORTGAGE
Loan Programs
8-12 products
35+ programs
Rate Shopping
One Rate
55+ lenders
Direct BankingLine
Retail Only
Yes
Self-Employed / Alt Doc
Rarely
Specialized
Investor Loans (DSCR)
Limited
Full suite
Nationwide Lending
Regional
Nationwide
Pre-Approval Speed
3-5 days
24-48 hours
Found your program?
Let's get you approved..
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.