Your home awaits: where we begin stories and create lifelong bonds.
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DISCOVER THE IDEAL LOAN PROGRAM FOR YOUR NEEDS
Choose the options that best fit your current objectives.

FHA Loan
A government-backed financing option with competitive interest rates and lower down payment requirements to help you purchase your home. content.
Learn more
Conventional Loan
A traditional mortgage not insured or guaranteed by a government
agency, typically offering competitive interest rates and terms.

VA Loan
A mortgage program for veterans and service members, offering benefits like no down payment and competitive rates, backed by the U.S. Department of Veterans Affairs.
Learn more
USDA Loan
A mortgage option for low to moderate-income buyers in rural areas, offering no down payment.
Learn more
JUMBO Loan
Mortgage for high-value properties
beyond standard limits, with competitive
terms.

Primary residence construction Loan
Financing specifically tailored for building your main home.
Learn moreNON QM PROGRAMS
Bank Statements Loan
This program allows borrowers to qualify for a loan using their bank statements instead of traditional income documentation. It's ideal for those who are self-employed or have irregular income and seek an alternative to conventional loans.
Profit and Loss Only
This program relies solely on the borrower's profit and loss statement to determine their ability to repay. It's a valuable option for those who may struggle to provide other income documentation.
Verbal Verification Only
A mortgage program for veterans and service members, offering benefits like no down payment and competitive rates, backed by the U.S. Department of Veterans Affairs.
No Income No Ratios
This program does not require income verification or debt-to-income (DTI) ratio calculation. It's a flexible option for borrowers who want to simplify the application process and avoid disclosing their income
DSCR (Debt-Service Coverage Ratio)
This program evaluates a borrower's ability to cover their financial obligations, such as loan payments, with their income. It's especially useful for real estate investors seeking to finance rental properties.
1099 Only
With this program, borrowers can qualify using only their 1099 tax forms to demonstrate their income. It's a convenient option for independent contractors and self-employed individuals.
HERE TO SUPPORT YOU THROUGH EVERY STAGE OF THE PROCESS

Mortgage Steps
STEP 1
Financial Preparation: Evaluate your finances, including your credit, income, and debts. Set a budget and save for the down payment and closing costs.
STEP 2
Pre-Approval: Obtain a mortgage pre-approval from a lender to determine how much you can borrow and at what interest rates.







ExcellentBased on 32 reviews
Trustindex verifies that the original source of the review is Google.
Kety Rodriguez2025-03-28Lina and the VIP Loan team are the best. They are highly professional and always deliver services on time. I highly recommend their exceptional serviceTrustindex verifies that the original source of the review is Google.
Franchesca Rodriguez2025-03-17Honestamente, son un sùper equipo!!! 🥰 Las recomiendo al 💯 % la forma en la què cada una de las personas què estuvieron en el proceso de compra de mi primer hogar fue excelente, no sentì ningùn tipo de estrès pùes el equipo se encargò de todo con demasiado profesionalismo, te hacen sentir como en familia. ❤️ Lina, eres increìble! muchas gracias por tù ayuda,por la paciencia què me tuviste,☺️pùes te llamè tantas veces por dudas què tenìa y mis preguntas fueron contestadas satisfactoriamente, gracias por orientarme y llevarme de la Mano para poder subir mi puntuaciòn y cumplir mi meta de adquirir mi nuevo hogar! Mi Familia y yo estamos sùper agradecidos con todos ustedes. Honestly, they're a super team!!! 🥰 I recommend them 💯%. The way each person involved in the process of buying my first home was excellent. I didn't feel any stress because the team handled everything with such professionalism, making you feel like family. ❤️ Lina, you're incredible! Thank you so much for your help and for your patience. ☺️ I called you so many times with questions I had, and my questions were answered satisfactorily. Thank you for guiding me and holding my hand so I could raise my score and achieve my goal of buying my new home! My family and I are so grateful to all of you.Trustindex verifies that the original source of the review is Google.
lea Espinoza2025-03-08Working with Lina was a pleasure. My loan was challenging for various reasons but she made it all work seamlessly with great results. During the process she was a calming influence and always immediately available to answer questions. I highly recommend her!Trustindex verifies that the original source of the review is Google.
veronica mercado2025-03-02It was a pleasure working with Lina Arroyo. She was always available and made this experience as easy as it could be. Thanks for everything you did.Trustindex verifies that the original source of the review is Google.
Lady Paola2025-02-21Queremos expresar nuestro más sincero agradecimiento a Carlos Jimenez por su increíble ayuda en el proceso de refinanciar nuestra casa. Su asesoría fue clave para entender cada paso y tomar las mejores decisiones. Lo que parecía imposible, Carlos lo hizo posible con su profesionalismo, paciencia y dedicación. Siempre estuvo dispuesto a responder nuestras dudas y guiarnos en todo momento. Más allá de ser un excelente asesor, se ha convertido en un amigo de la familia, y sabemos que en cualquier proyecto futuro relacionado con bien raiz no dudaremos en llamarlo. Gracias a su trabajo, hoy tenemos mejores condiciones y una gran tranquilidad. ¡Lo recomendamos sin dudarlo!”Trustindex verifies that the original source of the review is Google.
william David Castillo2024-12-11Siempre muy prestos y diligentes, gracias Lina!Trustindex verifies that the original source of the review is Google.
Génesis Viloria2024-11-23We are so grateful that we got to work with Carlos, he was recommended to us by our realtor and it was great. He made the loan process very easy, he was friendly and made sure to explain the process to us and answer all of our questions. He also attended the closing to make sure everything went well and it did!Trustindex verifies that the original source of the review is Google.
JORGE CARREÑO2024-11-19Excelente experiencia por que lo pudimos lograr juntos son un gran equipo.Trustindex verifies that the original source of the review is Google.
JOHANNA CARRILLO2024-11-19“Quiero expresar mi profunda gratitud a Lina Yisi, y todo el equipo de trabajo por todo su apoyo durante el proceso de compra de nuestro apartamento. Su profesionalismo, dedicación y amabilidad hicieron que este sueño fuera posible. ¡Gracias por acompañarnos en cada paso de este camino tan importante!”

MORTGAGE COMPANY
At VIP Home Loans, we take pride in our expertise in home loans and mortgage refinancing. Our commitment extends beyond just offering financial services – we strive to be your trusted partner on the path to homeownership. With a deep understanding of the complexities involved in purchasing a property, we aim to simplify the process and make it as seamless as possible for you. Our tailored loan solutions are designed to meet your specific requirements, ensuring that your experience with us is not only satisfying but also empowering. Let us help you turn your homeownership dreams into reality.