About VMA Lending
An independent brokerage built on straight talk
VMA Lending LLC is a Florida mortgage brokerage with roots in Miami and relationships with more than 45 lenders nationwide. We have been helping borrowers find the right loan since 1995, and that is still the whole job.
Serving South Florida since
1995
Combined industry experience
30+ years
Lender relationships
45+
Loans funded
$68M+
Who we are
VMA Lending started in Miami with a simple idea: borrowers deserve a broker who actually understands their situation and works to find the right fit, not just the fastest approval. Twenty-plus years later, that is still how every file gets handled.
As an independent brokerage, VMA is not tied to any single lender's products. That independence matters. It means we can compare rates and terms across more than 45 lenders and put the borrower in front of the option that actually makes sense for their goals, whether that is a first home, a refinance, an investment property, or something more complicated.
The team brings more than 30 years of combined experience across residential lending, banking, and real estate finance. That depth shows up in how we handle the edge cases, the self-employed borrowers, the non-QM files, the deals other lenders turned away.
Loan programs
- Conventional loans, including specialty products
- High-LTV options for qualified borrowers
- Fixed-rate and adjustable-rate mortgages
- FHA, VA, and USDA loans
- Jumbo loans for higher-value properties
- Reverse mortgages for senior homeowners
- Home equity options and commercial lending
- Non-QM and bank statement programs
- DSCR loans for real estate investors
- ITIN mortgages and foreign national loans
The team
VMA Lending is a small, focused team. You will work directly with licensed professionals who know mortgage lending inside out.
Principal Broker & Founder
Abel Medero
NMLS #1010813 · NAMP®, CCLP
Abel founded VMA Lending after more than two decades in banking and mortgage origination. He holds the Certified Mortgage Planning Specialist designation through NAMP and the Certified Consumer Lending Professional credential, credentials that reflect a commitment to professional development well beyond the licensing minimum.
His focus is on borrowers who need a real strategy, not just a rate quote. That includes self-employed clients, investors working with DSCR products, and anyone whose situation does not fit neatly into a standard approval box.
Loan Officer
Jorge Alberto Aguila
NMLS #2530147
Jorge joined VMA Lending to work directly with borrowers across South Florida on purchase transactions, refinances, and investment properties. He works closely with first-time buyers and clients navigating the South Florida market for the first time.
Jorge is fluent in English and Spanish, which makes a real difference for clients who prefer to work through the details in their first language.
Frequently asked questions
What does VMA Lending help with?
VMA Lending helps homebuyers, investors, self-employed borrowers, veterans, retirees, and borrowers with non-traditional income find the right mortgage path, from FHA and VA to Non-QM, DSCR, and other specialized programs.
Who does VMA serve best?
The strongest fits include first-time buyers, real estate investors, self-employed borrowers, veterans, healthcare and essential workers, foreign nationals, and asset-rich borrowers who need more flexible qualification paths.
Can VMA guarantee approval?
No honest lender or broker can guarantee a mortgage approval. What VMA can promise is experienced guidance, clear communication, and a serious effort to find the best realistic option for your scenario.
How long does the process usually take?
A typical purchase closes in about 30 to 45 days once the property is under contract, though the exact timeline depends on the loan type, document speed, appraisal, title, and any association requirements.
VMA Lending, LLC NMLS #2734596 · OFR License MBR8077 · Abel Medero NMLS #1010813 · Jorge Alberto Aguila NMLS #2530147 · Licensed in Florida. VMA Lending LLC is a mortgage broker only, not a mortgage lender or mortgage correspondent lender. Not a commitment to lend. Rates and terms subject to change. Not all borrowers will qualify. Equal Housing Opportunity.
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Use these verified details for any questions, documents, or scheduling.
Office line
(786) 622-2224
info@vmalending.com
Company NMLS
#2734596
Abel Medero NMLS
#1010813
OFR license
MBR8077