Home Loans

With all the on-line mortgage companies out there Why should I choose VR Services?

Our goal is to provide home loans at the lowest rates and costs with the lowest monthly payments.

VR Services is a full service mortgage company licensed throughout the State of California. We represent hundreds of wholesale lenders and investors providing all types of loan programs with the lowest interest rates.

Whether you are buying your first home or your last; whether you need to refinance or tap into your equity; consolidate bills or do home improvements... We will arrange the loan that's best for you.

If for some reason you are unable to qualify for the loan you want now, we will help work out a schedule to prepare you to qualify at a later date - that's just part of our Other Cool Services!

Experience and expertise are the Key

VRS' loan staff has over 40 years of experience, which means you can count on us to provide you with accurate information. And as an authorized FHA, VA and FNMA/FHLMC conventional home lender, we are required to stay current on the latest industry changes and agency regulations.

Obtaining a home loan is so much more involved than a loan for your car or other consumer-type financing. We take all the complexities out of the loop, focusing on the financing solution that's just right for you!

Yeah, but I want the Lowest Rate!

This is the easiest part! VR Services does not "sell" you our loan programs because we are not the "lender". As a home loan services company, we represent the investors, who pay us a current value for your future loan payments (known as an interest stream). This is how we can charge you much less than other lenders. We call it "wholesale-direct financing". And by combining your loan with our other services (home buying and/or selling) you will save even more... Many of our smart clients save thousands of dollars.

How do I get started?

Your best bet is to simply complete our Borrower Basics form to quickly tell us what kind of financing you need. Your information will be downloaded to our loan department where a home loan specialist (that's right, a real live person!) will personally respond to you within 24 hours... Try that at any other on-line lender!

What's My Home Really Worth?