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Call 786-717-8184Your Home Has Equity. Let's Explore Your Options.
Cash-out refinancing, investment property financing and flexible income documentation options.
Check your options with a local mortgage professional.
- No tax returns needed
- 12–24 months of bank statements as proof of income
- P&L as proof of income
Featured Non-QM Solutions
- Up to 90% LTV Bank Statement, 1099 & Asset Utilization Loans
- P&L Only Loans up to $1.5M
- DSCR & DSCR No Ratio Options
- Foreign National Financing
- ITIN Borrower Program
- 40-Year Fixed Term with Interest-Only Options
- Warrantable, Non-Warrantable Condos & Condotels Available
Florida & Texas · English · Говорю по-русски
Three Primary Offers
Whether your home is paid off or you still have a mortgage, Vera compares lenders to find the program that fits you.
Cash-out refinance
Turn your home's equity into cash, even if your home is paid off. Use it to pay off debt, renovate, invest or build a cushion.
Self-employed / bank statement refinance
Own a business or work for yourself? Qualify using your bank statements instead of tax returns.
Investment property / DSCR refinance
Refinance or pull cash from a rental property based on the property's rental income, with no personal income documentation required.
Hi, I'm Vera Sobolnitsky.
English · Говорю по-русскиI'm a mortgage broker licensed in Florida & Texas with nearly 20 years of helping families with their homes. As a broker, I don't work for one bank: I research lenders and find the solution that fits your situation.
My job is to give you honest numbers. If now isn't the right time to do anything, I'll tell you that too.
5-star rated on Google
See what clients say about working with Vera, from first-time buyers to investors.
Common questions
Why did I get a postcard or see an ad from you?
I reach out to homeowners in Florida and Texas using publicly available property records. You're under no obligation, and if you'd rather not hear from me, just let me know.
Does the review cost anything?
No. The review and our conversation are free, and there's nothing to sign.
Will this affect my credit?
Not to talk. A credit check only happens if you decide to apply, and only with your permission.
My home is paid off. Can I still get cash out?
Yes. A cash-out refinance on a free-and-clear home lets you borrow against the equity you've built. How much depends on your home's value, the program and your situation.