One call away from your dream home.
Buying, refinancing, self-employed or investing, I shop multiple lenders to find the loan that fits you. Nearly 20 years of experience, in English or Russian.
- 5-star rated on Google
- Available seven days a week
- Competitive rates from multiple lenders
- Говорю по-русски
"Have a quick question first? Call or text me at 786-717-8184. I'm here to help."
Vera Sobolnitsky · NMLS #11661
A loan for where you are right now
First-time home buyer
Not sure if you'll qualify or how long it takes? Start here.
Learn more →Refinance & cash out
Lower your payment or turn your equity into cash.
Learn more →Self-employed
Qualify with bank statements or a P&L instead of tax returns.
Learn more →Real estate investor
DSCR loans based on the property's rental income.
Learn more →VA & FHA buyers
Extensive VA loan expertise, plus low-down-payment FHA options.
Learn more →Reverse mortgage
For homeowners 62+ who want to use their equity in retirement.
Learn more →Two simple ways to get started
Every step, from your first question to closing, is handled with you personally.
Found a home? Fast Track
- Apply online
- Upload documents
- Pre-approval
- Get in contract
- Close
Still exploring? Free consultation
- Schedule a call
- Discuss your situation
- I research lenders
- We find a solution
- Pre-approval
Self-employed or investing? No tax returns needed.
Qualify with 12–24 months of bank statements, or a P&L, as proof of income.
See all Non-QM options- Bank statement, 1099 and asset utilization loans up to 90% LTV
- P&L-only loans up to $1.5M
- DSCR and DSCR no-ratio options
- Foreign national financing
- ITIN borrower program
- 40-year fixed with interest-only options
- Warrantable and non-warrantable condos, and condotels
5-star rated on Google
See what clients say about working with Vera, from first-time buyers to investors.
You have questions. I have answers.
Will I qualify? How long will it take to close? How much can I afford? Send me a note, or call or text, and you'll get straight answers and a free, personalized quote.
- Free quote, no obligation
- No impact on your credit to ask
- Reply within one business day