Venture Capital Mortgage, Inc: Investor Financing - FL - AL

About Venture Capital Mortgage

	Tica Harper President I have over fourteen years experience in several aspects of the mortgage industry, including underwriting. For the past eleven years, I have focused on investor loans. Several years ago, I decided to open my company so I can have an office environment devoted to providing investor friendly financing. We focus on the increasing detailed guidelines involved with processing mortgages on rental properties. I negotiate with several lenders for volume discounts for my investor clients to lower their rates. In addition, I spend countless hours comparing lenders guidelines and pricing then mixing and matching loan programs between first and second mortgages to create the lowest rate and best term program available for your income verification type and down payment. Not only am I a mortgage broker, I’m a real estate broker and an investor for over six years. My first investment purchase was a commercial strip center when I was 27 years old. Commercial real estate is my favorite! In addition, I have acquired several waterfront and single-family residential properties along with large acreages of timber and farmland. I personally manage all these properties so I know first hand, the daily experiences with running a real estate portfolio. This experience has allowed me to learn the hurdles and create the solutions to minimize the risks in the future. My investor clients benefit from this experience. Not only are my clients getting a mortgage broker specializing in investor financing, they get an experience investor with a successful but diverse real estate portfolio.

	Debra Lea McLaughlin I have been working with mortgage financing for over twenty years with a wide range of experience within the industry. I handle taking your loan application information over the phone or by e-mail. Once our office receives your loan application, I will review your income and asset documents and present it in the best truthful light for the underwriter and make sure your file meets the program requirements for a quick approval with minimal conditions.

	Lourdes Quintero - "Se Habla Espanol" For over five years, I have worked closely with Tica opening and closing investor mortgage loans. I handle coordinating the appraiser, title agency, property insurance company, realtors, builders, borrowers and lenders during the mortgage process. Since most of our clients are spread throughout the United States and abroad, most of all our closing are “mail aways” so I pay special attention to the closing end and making sure the last minutes details of closing are handled timely for a smooth closing.

	Earl Kunke For over ten years, I have been a professional within the mortgage industry as a wholesale representative for national lenders and as a loan originator. As a lender representative, I gained first hand experience on how wholesale lenders and our secondary market (Fannie Mae and Wall Street) operates on a daily basis. As a loan originator, I guided applicants that ranged from first time homebuyers to savvy investors both through commercial and residential arena in a fast pace growing market. Both these positions have given a unique blend of mortgage knowledge and negotiation skills to help my clients obtain the best rates and services. I believe passionately in my abilities to help those who seek financing through a respected, established, ethical, and experienced mortgage professional.

COMMERCIAL LOANS

NO QUALIFYING LOANS

RENOVATION LOANS

Looking to stop renting and buy a commercial property to operate your business? Low down payments are available to owner occupied businesses. Investors can put 10% down and own a 5+ unit apartment complex!

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There are several loan programs for borrowers needing less documentation programs and fewer questions to answer and explain. These types of loans do not require or verity your income and wages.

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This is a fantastic mortgage program for investors. It’s designed to finance properties that normally would be denied due to the property condition or is in need of major remodeling.

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