Our Mortgage  Advisors will guide you through every step of the process, from pre-approval to closing. We have a wide range of loan options, including FHA, Conventional and Investor loans.

At Vice City Lending, we understand that buying or refinancing a home can be a daunting process. That's why we offer a streamlined process that is easy to understand and navigate.

Our refinancing options will help you get the best rates and save money on your monthly mortgage payments.

Buying / Refinancing Process

Innovative state of mind. We love to think outside the box

Colaborative marketing events open houses and more

❑ Second home / investment home 15% or more

❑ No Income verification (No need to show income taxes)

12/24 Months Bank Statement Loan

❑ First time investor, minimum score 640 and down payment of 20% or more.

❑ Seasoned investor, minimum score 720 and down payment of 15% or more.

DSCR

❑ Must have eligible Visa and valid passport

❑ Visa types: B-1, B-2, H-2, H-3, I, J-1, J-2, O-2, P-1, and P-1

FOREIGN NATIONAL

REFINANCE

❑ We can provide financing solutions for:

1. Fix & Flip - We can loan up to 90% LTV(Loan to Value) of purchase price and 100% of the rehab, not to exceed 70% of ARV. 

2. Ground up Construction(GUC) - We can loan up to 90% LTC(Loan to Cost) not to exceed 70% of ARV. 

3. Refi/Cash Out - Up to 60-70% of appraised as is value. 

4. Rate & Term - Up to 75% of appraised as is value. 

5. Land Acquisition/Refi -  With no plans just raw land we can lend up to. 50% in Florida.

PRIVATE LENDING

ALSO, WE OFFER YOU

These are home loans that are not required to meet agency-standards documentation
reequipments as outlined by the Consumer Financial Protection Bureau (CFPB) allowing the
borrowers to qualify on alternative standards. These loan programs are for Self -Employees business
owners and investors.
Requires reviewing loan scenario to qualify borrower into the right program. Matrix can change
depending on the loan amount, the occupancy, the credit score and the DTI.

NON QM LOANS

Our Mortgage Advisors will help you determine how much you can afford to borrow and what your monthly payments will be. We also offer a mortgage calculator on our website that you can use to estimate your monthly payments based on different loan amounts and interest rates.

One of the first steps in the home buying process is getting preapproved for a mortgage. At Vice City Lending, our borrower portal makes it easy to get pre-approved for a loan.

Our goal is to make the lending process as transparent and stress-free as possible, and our pre-approval and mortgage calculator tools are just two ways we can help you achieve that.

Pre Approval Process

❑ 2-Year Income Check (Steady income and proof of employment)

❑ Primary residence only (Not for investment, except Multi Family 2 to 4 units and you are going to live in one of the units as your primary home)

❑ 3% Down Payment for first time home buyer under Median Income (Varies per county). Usually,
it requires a 680-700 credit score

❑ 5% Down Payment with min credit score 620+

CONVENTIONAL

❑ 100% Financing (Closing costs must be paid)

❑ If you have full entitlement, you do not have a home loan limit

❑ 2 year or 1 year income for qualifying

❑ No Down payment required. Geographical Restrictions. House needs to be in qualified areas

❑ Flexible credit guidelines. Single Family Homes only

❑ Lower fixed Interest rate. USDA Loans close in pastures

USDA

A "JUMBO" loan refers to a high-value mortgage loan that exceeds the limits set for conventional loans. These loans are used to finance the purchase of high-value properties.

JUMBO

A QM loan is a type of mortgage loan that meets certain standards and requirements set by the Consumer Financial Protection Bureau (CFPB) in the United States. These loans are designed to ensure the borrower's ability to repay and provide consumer protection.

QM QUALIFIED MORTGAGE LOANS

At Vice City Lending, we offer a variety of loan programs to meet your unique needs. Whether you are a first-time homebuyers, an investor, an international buyer or simply looking to refinance, we have loan options for everyone. Our Mortgage Advisors will work with you to find the best loan program for your client’s needs. We also offer you tools and resources to help you receive live updates on your client’s journey every step of the way. Partner with us and see the benefits of working with a trusted and experienced lending team.

Loan Programs

SERVICING FLORIDA

MORTGAGE LOANS WITH INTEGRITY, SPEED AND EFFICIENCY

Our Team Leads with Service and Delivers a World-Class Mortgage Experience.

With decades of combined experience in the service industry, our team understands what it takes to create a smooth, stress-free mortgage process. We prioritize a client-first approach, offering expert guidance, clear communication, and unwavering support every step of the way. Whether you're a first-time homebuyer or a seasoned investor, we’re committed to delivering a personalized lending experience that exceeds expectations.

Our Mortgage Advisors and 
Operation’s Team are experts in their 
field, and they work tirelessly to 
provide our referral partners and 
clients with the best possible lending 
solutions.

We believe in building 
strong Relationships by providing the 
highest level of service and expertise. 
Get to know our team and see why we 
are the right lender for you.

MEET OUR TEAM

JONNY

DARIEL

Ready to get started? Our Mortgage  Advisors are available 24/7 to answer your questions and help you begin the lending process. Contact us today to learn more about our loan options and how we can help you achieve your home buying or refinancing goals. Our commitment to integrity, speed, and efficiency means you can trust us to provide you with the best service possible. Apply now and see why we are one of the best mortgage lenders in the business.

I agree to be contacted by Vice City Lending via call, email, and text. To opt out, you can reply 'stop' at any time or click the unsubscribe link in the emails. Message and data rates may apply.