Programs
All Loan Programs
Every borrower is different. We offer a full range of mortgage products to match your situation, whether you're a first-time buyer, a veteran, self-employed, or an investor.
Primary Programs
FHA Loans
Low down payment options for first-time buyers and beyond
VA Loans
Zero down payment for those who served
Conventional Loans
Competitive rates for qualified borrowers
USDA Loans
Zero down in eligible rural and suburban areas
Reverse Mortgages
Access your home equity in retirement
Refinance
Lower your rate or tap into equity
Construction Loans
Build your dream home from the ground up
Commercial Real Estate
Financing for investment and business properties
Non-QM & Alternative Programs
Don't fit the traditional mold? These flexible programs serve self-employed borrowers, investors, foreign nationals, and anyone with non-standard income documentation.
Bank Statement Loans
Qualify using bank deposits, no tax returns needed
DSCR Loans
Investment property loans based on rental income
ITIN Mortgage
Homeownership without a Social Security number
Foreign National Loans
Mortgage solutions for non-US citizens
1099 Income Loans
Designed for freelancers and independent contractors
Asset Qualifier
Qualify using assets instead of income
P&L Loans
Use your profit & loss statement to qualify
Bank Statement HELOC
Access equity with alternative income docs
Not sure which program fits?
Call us directly or apply online. We'll match you with the right program.
VMA Lending, LLC · NMLS #2734596 · Equal Housing Opportunity. Licensed in Florida.