Message From Victoria
“I have over 23 years of experience, helping my clients realize their home ownership dreams. I specialize in non-qm loan options such as self-employed income loans. My depth of product knowledge and attention to detail is your secret weapon during the lending process. I can help find programs tailored to your needs. At heart, I’m a people person and I generally enjoy being helpful. I like to think of myself as your personal concierge through the lending process, helping to guide you and making recommendations from start to finish. Let’s start your mortgage journey together.“
About Victoria
With over 20 years of experience, Victoria has defined herself as a leading lender for clients seeking a high level of personal attention. Her dedication to customer service really shines through in all of her interactions. Clients describe her as a joy to work with, in part because she’s easy to talk to and has a sunny demeanor. She continues to remain available to her clients after their transactions close.
Her keen insights into the lending process and breadth of product knowledge help her stand out as a loan officer. She is able to provide creative solutions to complex fundings. Whether a client is a first-time borrower needing downpayment assistance, or self-employed and looking to use brank statements to qualify income, Victoria can offer solutions with her clients’ best interest in mind. Her expertise spans from Non-QM/Non-Agency loans to Conventional, FHA, VA, Jumbo, and Down Payment Assistance. This means whether you’re investing in multiple properties to grow your portfolio, or you’re hoping to buy your first home, Victoria has the expertise to advise you on your options.
Contact Victoria today and find out why so many buyers have given her 5 stars on Zillow and many repeat customers refer to her as their lender for life!
Mortgage Products
Bank Statements
Great for self-employed borrowers. Qualify using bank statements. No tax returns required.
DSCR
Property investor-friendly loans. Qualify using market rents only. No ratio available.
1099
Independent contractor-friendly loans. Qualify using 1099 statements. No tax returns required.
Asset Utilization
Great for retirees and entrepreneurs. Use liquid assets to qualify income such as stocks, IRA, 401K and more.
Conventional
Applicable to a wide range of borrowers. Both Fixed and ARM options available.
FHA
Great for first-time home buyers. Put down as little as 3.5% downpayment.
VA Loans
No downpayment and No MI. Home ownership options for veterans and their families.
Refinancing
Lower your current mortgage rate or get cash out. Pay for home renovations, college, and more.
Jumbo Loans
Loan Amounts as high as $3 Million. Both Fixed and ARM options available.
ARM
Great for savvy investors. Typically lower initial rates than fixed term loans. Available in 3, 5, 7, and 10 year terms.
2ND Mortgage
Unlock your home’s equity. Great for home improvement projects or consolidating debt. Provides a fixed rate equity loan option
HELOC
Secured line of credit. Pay for home renovations, college, and more. Provides flexibility to pay down and reuse line of credit.
We have one goal: Deliver a stress-free loan for every borrower, every time.
Why LoanLock?
LoanLock is a premier mortgage lender headquartered in sunny Southern California. We lend in multiple states across the nation and assist everyone from first-time homebuyers to seasoned real estate investors. As a direct lender, we process and underwrite your loans on-site, so approval decisions are faster. Here are some of the reasons why you should consider working with LoanLock:
Transparent Regardless of whether you’re refinancing or buying, we provide a clear and concise breakdown of your loan transaction upfront. Never pay credit check, application, or lock-in fees.
Personal Your state licensed Loan Advisor is your personal concierge throughout the entire mortgage process. They are focused on you and your specific goals.
Green We use fast and secure technology to provide you with as close to a paperless experience as possible. We care about your experience and the environment.