More loan options. Smarter technology.
Real people in your corner.
ratePricerby VIRTUALENDINGInvestors, experience the power of 10 mortgage brokers and 140 lenders with DSCR loans and P&L-only loansTell us about your plans. Our team will help you explore the right options.
Showing 6 of 15 loan programs to explore
Investment property financing based on rental income.
Explore financing that evaluates the rental property’s cash flow instead of your personal employment income. Purchase a property or review refinance options with RatePricer.
Explore RatePricerInvestor-purpose financing using a business profit and loss statement.
Explore investor-purpose P&L-only options through RatePricer. Your loan team reviews your business, property, and lender requirements to help find an appropriate program.
Explore RatePricerExplore qualifying with personal or business bank statements.
For self-employed borrowers whose tax returns may not reflect their cash flow. A loan officer reviews eligible deposits, business expenses, and the statement period required by the lender.
Explore bank statement loansTraditional mortgage options for buying or refinancing a home.
A conventional mortgage may fit a primary home, second home, or eligible investment property. Your loan officer can help compare loan terms, down payments, and mortgage insurance considerations.
Explore conventional loansGovernment-insured financing for an eligible primary residence.
FHA programs can offer an alternative path to homeownership. Review down payment, credit, mortgage insurance, and property requirements with a loan officer.
Explore FHA loansHome financing for eligible veterans and service members.
Discuss VA purchase and refinance options, your Certificate of Eligibility, and applicable funding fee considerations with our loan team.
Explore VA loansProgram availability, documentation, and terms depend on your situation, the property, and lender guidelines.
Put three programs side by side to understand who they serve, what to prepare, and what to consider.
A starting point for your conversation. Your loan team can compare current rates, fees, and eligibility after reviewing your details.
Try a home price, down payment, and loan term. See how the numbers work together before you talk with our team.
Example only. This is not a live rate or APR.
Use your own estimates. Blank fields count as $0 and leave that cost out of the total.
Mortgage insurance is not calculated automatically. It may be required depending on your program and down payment.
Share your goals with our loan team.
Planning estimate for a fixed-rate, fully amortizing loan. Not a loan offer, approval, or rate quote. The example rate is hypothetical. Closing costs, upfront fees, and costs you have not entered are excluded. Actual rates, payments, taxes, and insurance may differ.
A full-service mortgage brokerage combining smarter technology with personal guidance.
Start with your goals. We help you compare financing that fits your income, property, and plans.
Explore investment financing through RatePricer, with a real loan team to help you move forward.
Work with loan professionals who can explain the options and help with the next step.
Compare financing approaches across conventional, government-backed, and alternative documentation programs.
Understand the documents and information your loan team needs for the program you choose.
Get help weighing loan terms, asking questions, and deciding how to move ahead.
– . Based on our funding records. Each loan is counted once.
These figures exclude 4 funding records without a confirmed loan identifier.
Updated . Figures refresh automatically.
Explore properties we’ve helped finance, across different loan programs.
Cypress, CA
$758,302.79
Loan amountBuena Park, CA
$594,750
Loan amountDallas, TX
$109,450
Loan amount
FundedWoodbridge Township, NJ
$740,000
Loan amountExamples of previously funded loans. Availability and terms vary.
Get to know a few of the people behind VirtuaLending. Our team is here to help you understand your options and take the next step.
Meet the full teamLoan Officer
NMLS #1984104
View profilePresident
NMLS #1987717
View profileWe’re a full-service mortgage brokerage for homebuyers, homeowners, and property investors. We bring loan options, practical technology, and personal guidance together so you can make an informed next move.
Get to know VirtuaLendingA little preparation makes your loan conversation more useful. Choose a program, mark what you have ready, and take your checklist with you.
You can reach out before every box is checked. Send a loan inquiry whenever you’re ready.
From the first question to the final details, your loan team helps you understand what comes next.
Buying, refinancing, or investing? Start with your goal, property, and how you document your income.
Your loan team helps you weigh programs, rates, fees, and terms from participating lenders.
Choose a path and gather the documents your lender needs, with a real person to guide you.
Work with your team through lender review, any remaining requirements, and closing preparations.
You bring the questions. We’ll help you understand your options.
Ask our loan teamStart with your goal, whether you will live in the property or rent it out, and how you document your income. Our loan program guide helps you explore the choices. A loan officer can then review your situation and help you compare appropriate options.
VirtuaLending helps you compare programs from participating lenders and understand the tradeoffs between rates, fees, payments, and loan terms. Your loan team helps prepare your application and works with the selected lender as your loan moves forward. Final approval and terms depend on the lender’s review.
RatePricer is VirtuaLending’s investment financing experience, combining technology with a real loan team. It focuses on DSCR loans and investor-purpose P&L-only loans. You can explore those options through RatePricer and work with our team on other mortgage programs.
Yes. VirtuaLending offers primary-home financing, including conventional, FHA, VA, and USDA programs, as well as options for self-employed borrowers. The right fit depends on your property, finances, and the program’s requirements. Explore our loan programs or talk with the team.
Browsing our loan programs or using the loan finder does not run a credit check. A soft credit inquiry does not affect your credit score; a hard inquiry may. If a credit report is needed for your next step, your team will explain the type of inquiry and obtain your authorization before requesting it.
Absolutely. Contact our loan team to discuss your goals, ask about documentation, or compare your next steps. You do not need to know which program to choose before reaching out. If you decide to move ahead, your team will explain the application and documents needed for your loan.
Buying, refinancing, or planning your next investment? Let’s find your next step together.
RatePricer brings investment loan options and your loan team together. Explore DSCR and investor-purpose P&L-only financing, backed by VirtuaLending.
Explore RatePricer Looking for another loan program? Let’s talk.Read what people share about working with VirtuaLending.
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