Loan Products | VRM Lending LLC

Explore What May Be Possible

Home Loan Products Tailored to Your Unique Situation

Every homebuyer’s situation is unique and so are our loan solutions. Whether you’re a first-time buyer with limited down payment, self-employed with non-traditional income, or looking to refinance for better terms, VRM Lending LLC has partnered with leading wholesale lenders to bring you an extensive menu of loan programs you may not find at your typical bank.

From conventional and FHA loans to specialized programs for professionals, investors, and unique financial situations, our experienced team will help you understand what options might be available. No one-size-fits-all approach here. Just personalized solutions designed around your specific needs and goals.

VA Vendee^TM

A unique program that lets qualified buyers purchase VA-owned properties with little to no money down, no mortgage insurance, and competitive rates.

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FHA Loan

A loan that makes homeownership more accessible with lower credit score requirements and down payments as low as 3.5%.

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Conventional

A versatile loan option for a variety of property types, offering competitive rates, flexible terms, and down payments starting at 3%.

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VA Loan

A government-backed loan designed for veterans, service members, and eligible spouses offering no down payment.

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Renovation

A loan that combines your mortgage and renovation costs, letting qualified applicants finance upgrades based on the home's future value.

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Non-QM

A flexible alternative to traditional mortgages, designed for borrowers with unique income situations through options like bank statement, 1099, or asset-based loans.

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Refinance

A way for qualified applicants to lower their rate and access equity, consolidate debt, or switch loan types to better fit their goals.

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HELOC

A HELOC lets qualified applicants borrow against home equity for renovations, debt consolidation, or major expenses at lower rates than credit cards or personal loans.

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3 QUICK & EASY STEPS

A simple online process

01 Estimate Your Payments

Use our mortgage calculator to explore potential monthly payments based on factors like home price, down payment, loan term, and interest rate. This gives you a better idea of what could fit your budget.

02 Explore Potential Loan Options & Speak with an MLO

Connect with a Mortgage Loan Officer (MLO) to discuss available loan programs, understand your options, and get personalized guidance on the next steps. This conversation may help you make informed decisions before proceeding.

03 Start Your Loan Application

Once you find the right home, you’ll begin the official loan application process. Your MLO will guide you through gathering necessary documents and submitting your application to see if you can move toward approval.

VRM Lending LLC is not affiliated with or acting on behalf of or at the direction of the FHA, VA, or the Federal Government.

Getting a mortgage starts here.

Start here and answer a few questions to see what you qualify for. Feel confident in getting started without the pressure or commitment.