Start With Your Goal
Tell us what you are trying to do, what you are worried about, and where you are in the process.
Miami Mortgage Broker
Miami mortgage guidance without the bank runaround.
Talk through your options with a Florida mortgage broker before you commit. VMA Lending helps buyers, homeowners, and self-employed borrowers choose the next step with less pressure and more clarity.
Prefer to call? (786) 622-2224
Since 1995
Industry Experience
$68M+
Funded for Florida Families
45+
Lenders Competing for You
367+
Florida Homeowners
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.
Buying a Home
Hundreds of down payment assistance programs. Many eligible buyers never realize how much help may be available.
Grants, forgivable loans, and lender credits may help with a portion of down payment and/or closing costs, subject to eligibility and program rules. We'll review the programs your situation may qualify for — so you see what's actually available, not just what one bank happens to offer.
Learn MoreRefinance
Make Your Mortgage Work Harder
Explore whether refinancing could adjust your rate, payment, term, or equity access based on your current loan and goals.
Learn More→Non-QM & Self-Employed
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
A clear process from first conversation to next step.
Compare Practical Options
We review programs across our lender network and explain which paths may fit before you commit.
Move Forward Clearly
If the numbers make sense, we guide the application, documents, and closing steps from there.
See which path fits in 5 minutes
All Loan Programs
From conventional financing to specialized Non-QM products, we have a solution for every situation.
Standard Programs
FHA LoansLow down payment options for first-time buyers and beyond
→VA LoansEligible service members may have zero down payment options
→Conventional LoansCompetitive rates for qualified borrowers
→USDA LoansEligible rural and suburban properties may qualify for zero down options
→Reverse MortgagesAccess your home equity in retirement
→RefinanceExplore whether refinancing could adjust your rate, payment, term, or equity access
→Construction LoansBuild your dream home from the ground up
→Commercial Real EstateFinancing for investment and business properties
→Non-QM & Alternative
Bank Statement LoansMay use bank deposits as alternative documentation when eligible
→DSCR LoansInvestment property loans based on rental income
→ITIN MortgageHomeownership without a Social Security number
→Foreign National LoansMortgage solutions for non-US citizens
→1099 Income LoansDesigned for freelancers and independent contractors
→Asset QualifierMay use assets as alternative documentation when eligible
→P&L LoansUse your profit & loss statement to qualify
→Bank Statement HELOCAccess equity with alternative income docs
→
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 have helped homeowners across Florida close on their loans across a wide range of programs. 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.
NMLS #1010813NAMP®CCLPLicensed in Florida
Borrower scenarios
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.
Representative scenario
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
Representative scenario
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
Representative scenario
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
Representative scenario
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
Representative scenario
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 hundreds of 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 its own products. As a broker, VMA Lending works with a broad network of 45+ lender relationships, which can create more room to compare loan options, rates, and terms for your situation.
It depends on the loan type, lender, property, and full borrower profile. Some FHA and conventional programs may be available at lower credit score ranges, while other files need stronger compensating factors. We can review where you stand before you apply.
Down payment depends on loan type, eligibility, property, occupancy, and program rules. FHA, conventional, VA, USDA, and assistance programs may each have different options. We can review which programs may fit your situation and what funds may be needed before you commit.
Many files take a few weeks from application to closing, but the exact timeline depends on loan type, appraisal, title work, underwriting conditions, and how quickly documents come in. We’ll move as fast as your file allows and set expectations early.
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. Some programs may allow bank statements or other alternative documentation for eligible 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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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