The American Dream
Starts With the
Right Loan.
Skip the big bank runaround. Work directly with a Miami mortgage broker serving Florida — 30+ years guiding first-time buyers, homeowners refinancing, and self-employed families to the right loan. At your pace, with no pressure to commit.
Call us: (786) 622-2224
Mortgage Solutions for Every Situation
As an independent broker with access to 45+ lenders, we match you with the right loan — not just the one a single bank happens to offer.
250+ down payment assistance programs. Many eligible buyers never realize how much help they qualify for.
Grants, forgivable loans, and lender credits that can cover part or all of your down payment and closing costs for eligible buyers. We'll check every program your situation qualifies for — so if there's help available, we find it.
Learn MoreMake Your Mortgage Work Harder
Lower your rate, shorten your term, or pull cash out. If your mortgage isn't working, let's fix that.
Learn More→Beyond the Standard Mold
Tax returns don't tell your whole story. Bank statement, ITIN, foreign national, and DSCR loans for borrowers who don't fit the standard mold.
Learn More→Ready to get started?
How It Works
Three simple steps from first call to closing day.
Tell Us Your Goals
A quick call to understand where you are and where you want to be. No judgment, no pressure.
We Shop 45+ Lenders
We send your profile to our network and let lenders compete for your business.
Close With Confidence
From application to keys in hand, we guide every step. Typical close is 20-30 days; our fastest was 8 days.
See if you qualify in 5 minutes
All Loan Programs
From conventional financing to specialized Non-QM products, we have a solution for every situation.
Abel Medero · NMLS #1010813
About VMA Lending
Miami's Trusted Mortgage Brokerage · NMLS #2734596
VMA Lending was founded on a simple idea: homebuyers deserve personal service, not phone trees and scripts. Our team brings over 30 years of banking and financial industry experience to every transaction, with access to 45+ lenders offering unique products.
Led by Abel Medero, a licensed mortgage broker since 2018, we've helped 367+ homeowners close on their homes, representing $68M+ in funded loans to date. We walk you through every option, explain every number, and work hard to find the right terms for your situation.
Whether you're a first-time buyer, a veteran, self-employed, or looking to refinance, VMA Lending has a solution built around your situation.
When you call VMA Lending, you talk to a real person who knows your file — from first call to closing day.
Examples of the kinds of files VMA helps move forward.
Representative borrower scenarios based on common South Florida loan situations. They explain fit and outcomes, not published third-party reviews.
A first-time buyer with prior bank denials and a long search may fit an FHA path when the file needs tighter guidance and more hands-on follow-up.
First-time buyer scenario
South Miami-Dade
FHA purchase
A South Florida investor growing a rental portfolio may fit DSCR financing when big-bank options are too rigid for the property mix.
Investor scenario
Doral-area rental file
DSCR loan
A self-employed condo buyer with complicated income documentation may fit a bank-statement path instead of a standard W-2 file.
Self-employed buyer scenario
Brickell condo purchase
Bank statement loan
A first-time buyer exploring FHA financing and down-payment assistance may have more options once the file is matched to the right program.
Down-payment assistance scenario
Hialeah-area purchase
FHA + DPA
A business owner whose tax returns do not fully reflect cash flow may fit a bank-statement structure when conventional underwriting is too restrictive.
Business owner scenario
Coral Gables-area purchase
Bank statement loan
Down Payment Help You Didn't Know Existed
Florida has over 250 down payment assistance programs. Most buyers never hear about them.
Hometown Heroes
Up to $35KUp to $35,000 for Florida teachers, nurses, firefighters, law enforcement, veterans, and other community workers. Offered as a second mortgage through Florida Housing — not a forgiven grant by default. Terms apply.
FL Assist
$10K at 0%$10,000 deferred second mortgage at 0% interest with no monthly payments. Repaid only when you sell, refinance, or transfer the property. One of the most practical statewide options for eligible Florida buyers.
County Programs
Local + StateMiami-Dade, Broward, and Palm Beach County each run local DPA programs that can stack on top of state programs — potentially adding thousands more. Eligibility and funding availability vary by county.
Down payment assistance programs are subject to availability, eligibility requirements, and program guidelines that may change without notice. Not all borrowers will qualify. Programs vary by location and income. Some programs are structured as second mortgages, not grants.
Learn About Down Payment Assistance Programs
DownAid.com is a separate educational resource for first-time homebuyers researching down payment assistance programs in Florida.
Visit DownAid.comFrequently Asked Questions
Honest answers to the questions we hear most.
A bank offers only their own products. As a broker, I have access to 45+ lenders competing for your business — which means more options to shop competitive rates and loan terms for your situation.
It depends on the loan type. FHA loans start at 580. Conventional loans typically require 620+. And some non-QM programs go lower. Schedule a free call and I’ll tell you exactly where you stand.
Less than you probably think. FHA requires 3.5%. Conventional can be as low as 3%. VA and USDA offer 0% down for eligible borrowers, and some buyers may qualify for down payment assistance that can cover part — or in some cases all — of the down payment. Let’s run the numbers for your situation.
From application to closing, most files run 21–30 days, with the exact timeline depending on loan type, appraisal, title work, and how quickly documents come in. Our fastest close on a clean file was 8 days — that’s the exception, not what to expect. We’ll move as fast as your file allows.
Absolutely — it’s one of my specialties. First-time buyers have access to the most programs. I’ll walk you through every step so nothing feels overwhelming.
Yes. We work with lenders who accept bank statements instead of tax returns for self-employed borrowers and business owners.
Yes. Foreign national loans and ITIN loans are available for international buyers and non-residents investing in Florida real estate.
Generally: last 2 years of tax returns, recent pay stubs, bank statements, and a government ID. Self-employed? Bring 12–24 months of business bank statements. I’ll give you the exact list for your situation.
Ready to make your move?
Start with one clear next step. Talk to a loan officer first, or choose the secure application when you're ready.
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Not ready to talk? Try our mortgage calculator→NMLS #1010813 · VMA Lending, LLC NMLS #2734596
Trust and licensing
Licensed Mortgage Broker
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