Who We Are
At VMA Lending, we specialize in customized residential mortgage solutions for both home purchases and refinances.
Our personalized approach allows us to offer a wide range of loan programs tailored to meet your unique needs, including:
Conventional Loans – including FNMA/FHLMC specialty products
High LTV Options – up to 90% LTV with no mortgage insurance and 95% LTV for borrowers with credit scores as low as 580
Fixed-Rate and Adjustable-Rate Mortgages (ARMs) – available in 15- to 30-year terms
FHA, VA, and USDA Loans – ideal for first-time buyers, veterans, and rural homeowners
Jumbo Loans – for higher-value properties
Reverse Mortgages – providing financial flexibility for seniors
Home Equity Lines of Credit (HELOCs) – for accessing home equity
Commercial Lending – for investment and business property financing
No matter your financial goals or where you are in the homeownership journey, VMA Lending is here to guide you with experience, care, and solutions that work.
The founders of VMA have been helping families achieve their dream of homeownership for nearly 30 years. Like many of the individuals we assist in building financial stability through homeownership, our journey began with humble roots. In 2002, we started in a small suburb of Miami, and since then—just like the clients we proudly serve—our growth and success have steadily flourished.
We are truly grateful to every borrower who has entrusted us with their home financing needs. Your confidence in VMA Lending has played a vital role in our continued growth over the past two decades. Through our commitment to providing trusted financial solutions and personalized service, we’re proud to have funded over $68 million in home loans—helping families across our communities turn homeownership into a reality.
Abel Medero, MLO 1010813
At VMA Lending LLC, we understand that financing your home or investment property is more than just numbers—it’s about achieving your dreams. With over 30 years of experience, our dedicated team specializes in personalized mortgage solutions including FHA, VA, DSCR, Non-QM, Reverse Mortgages, and Hometown Heroes programs.
FAQ
At VMA Lending, we help homebuyers, investors, and self-employed borrowers secure the right mortgage—FHA, VA, Non-QM, DSCR, and more. Over 30 years of experience. Let’s get you approved!
At VMA Lending, we specialize in mortgage solutions across the following industries:
Residential Real Estate – First-time homebuyers, primary residences, and second homes.
Real Estate Investment – DSCR, fix-and-flip, and rental property financing.
Self-Employed & Small Business – Bank statement, P&L, and 1099 income loans.
Veterans & Military – VA loans tailored for active and retired service members.
Healthcare & Essential Workers – Hometown Heroes and down payment assistance programs.
Foreign Nationals – Investment financing for non-U.S. residents.
Retirees & Asset-Rich Clients – Asset qualifier and reverse mortgage programs.
No, we cannot guarantee that you will get a mortgage—no reputable lender or broker legally can.
However, what VMA Lending can guarantee is:
We will explore every available option to find the best loan for your situation.
You’ll receive honest, expert guidance from professionals with 30+ years of experience.
We will communicate clearly and work tirelessly on your behalf.
We treat every client like family—your success is our priority.
Let us earn your trust and help you get one step closer to homeownership or your next investment.
The homebuying process typically takes 30 to 45 days from the time you go under contract to the day you close. However, the full timeline can vary depending on several factors:
General Timeline:
Pre-Approval – 1 to 2 days
Home Search & Offer – Varies (a few days to weeks)
Under Contract to Closing – Typically 30 to 45 days
Appraisal: 5–10 days
Inspection: 5–7 days
Underwriting & Conditions: 1–2 weeks
Final Approval & Closing Disclosure: 3+ days before closing
Factors That Affect Timing:
Your loan type (FHA, VA, conventional, Non-QM, etc.)
Speed of your documentation
The seller’s timeline
Appraisal and title clearance
Association approvals (if applicable)
At VMA Lending, we aim to make the process smooth, efficient, and stress-free, keeping you informed every step of the way. Ready to start? Let’s get you pre-approved!