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Meet virtually or in person with a licensed V Nation mortgage advisor to review your goals and get pre-qualified or pre-approved.
Submit Documents
Secure, Simple Uploads
Send your Paystubs, W-2s, bank statements, tax returns, and ID through our encrypted portal so we can verify income, assets, and credit.
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Fast, Local Decisions
Our California-based team shops loan programs and delivers transparent underwriting support — no call centers or guesswork.
Home Sweet Home
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From contract to closing day, we guide you every step until you’re unlocking the door to your new home.
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Your Trusted Mortgage Calculator
Wondering how much your monthly mortgage payment could be? Use our simple calculator to factor in the loan amount, interest rate, and term. Instantly see your estimated principal, interest, taxes, and insurance (PITI) so you can plan your home purchase or refinance with confidence.
Estimate Your Mortgage Payments Instantly
Use our free calculator to estimate monthly payments, compare loan options, and explore what you can afford in California’s real estate market.
Disclaimer:
The information generated by this calculator serves solely for comparison purposes, and its accuracy cannot be guaranteed. We cannot ensure the accuracy of any data or inputs provided by users of the software.
Please be aware that this calculator does not offer pre-qualification for any loan program. It is imperative to independently confirm your eligibility for loan programs with one of our Loan Consultants. Qualification for loan programs may require additional details, such as credit scores and cash reserves, which are not captured by this calculator.
Moreover, details such as interest rates and pricing are subject to change without prior notification. Additional charges, such as HOA dues, are not included in the calculations. All estimates provided by this calculator, including interest rates, taxes, insurance, PMI payments, etc., are intended for comparison purposes only.
We cannot guarantee the accuracy or reliability of any information obtained from this calculator. It is advisable to use this tool as a reference and seek personalized advice from a professional loan consultant.
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Frequently asked questions
Q: What documents are required to apply for a mortgage with V Nation?
A: To apply for a mortgage with V Nation, complete our online loan application by clicking 'Apply Now'. Applicants must be 18 years or older.
You will need to securely upload the following documents:
• Proof of income (recent pay stubs, Social Security or pension award letter, or 401(k) income statement)
Tax returns from the past two years (including W-2s or 1099s)
Two most recent bank statements
For refinance applications only:
Current mortgage statement
Homeowners insurance declaration page
HOA statement or coupon (if applicable)
Solar agreement (if applicable)
Government-issued photo ID and Social Security card
Once submitted, our team will review your application and guide you through the next steps for a smooth and efficient approval process.
Q: Does V Nation offer loans to borrowers without income proof?
A: Yes, V Nation specializes in providing bridge loans and hard money loans that cater to borrowers with varied financial backgrounds, including those without traditional income proof. Our flexible lending criteria are designed to accommodate the needs of real estate investors, entrepreneurs, and individuals who might not meet the stringent requirements of conventional lenders. By focusing on the value of the property and the borrower's overall financial situation, V Nation offers a streamlined and efficient lending process that can help you secure the financing you need.
Q: What types of loans does V Nation offer?
A: V Nation provides a wide range of private lending solutions, including bridge loans, hard money loans, and fix-and-flip financing. We serve real estate investors, developers, and property owners seeking quick access to capital without the strict requirements of traditional banks. Our programs are designed for residential, commercial, and mixed-use properties across California.
Q: How quickly can I receive funding from V Nation?
A: At V Nation, we understand the importance of timely funding in real estate. Our streamlined approval process enables qualified borrowers to receive funding in as little as 3 to 5 business days, depending on the loan type and documentation. With in-house underwriting and direct investor support, we ensure a smooth and efficient closing from start to finish.
Q: Do you lend on investment or non-owner-occupied properties?
A: Yes. V Nation Corp specializes in investment property financing for both residential and commercial projects. Whether you’re purchasing, refinancing, or renovating, we provide flexible terms and quick closings to help investors leverage their equity and grow their portfolio.
Q: What areas does V Nation serve?
A: V Nation proudly serves borrowers throughout California. Our mission is to provide accessible lending solutions throughout California, with a focus on transparency, integrity, and speed.
Q: What makes V Nation different from traditional lenders?
A: Unlike traditional banks, V Nation focuses on asset-based lending, evaluating the property’s value and overall project potential rather than rigid credit or income requirements. Our team combines industry expertise, personalized service, and flexible terms to help borrowers and investors achieve their real estate goals efficiently.
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