Loan Programs


  • We originate both Owner Occupied and Investment purpose loans .
  • Residential, Multi-Family, Commercial, Industrial, Agricultural, Special Purpose, Vacant Land.
  • Interest Only, Partially Amortized, and Fully Amortized loans.
  • Quick answers: Local decision making and in-house inspections allow us to give an approval usually within 24 hours from the inspection.
  • Quick funding: Typically close in 2 weeks. In some cases, 2 days.
  • Blanket loans: Use two or more properties on one loan, even with different owners.
  • Bridge loans: Use the equity in the property being sold for the one being purchased.
  • We close loans that make sense for the borrower and the investor; yes, it’s really that easy.
  • California properties only.

At VMI, saying NO never felt so good:

  • NO up-front fees
  • NO prepayment penalties
  • NO appraisal required on Most local (Kern County) properties
  • NO FICO requirement
  • NO seasoning requirements for property or down payment
  • NO limit on income properties owned
  • NO SSN ok with valid Tax Id Number

We make every effort to close your loan. Contact us and give us your scenario. We can usually tell you immediately if we can be your lender.