About Rmc Vanguard Mortgage
The Vanguard Mortgage Company positions itself as a direct lender offering a streamlined, online mortgage process. Founded in 2019, they emphasize quick turnarounds, transparency, and competitive rates, particularly in Florida, achieved through their direct underwriting capabilities and correspondent lending model.
They specialize in a diverse range of home loan products, including conventional, FHA, Jumbo, and niche offerings like Hard Money loans and solutions for non-warrantable condos. A significant focus is placed on non-traditional income verification, with dedicated programs for Asset Qualification and Bank Statement loans designed to serve self-employed individuals and foreign nationals who may not fit standard lending criteria.
Committed to leveraging technology, The Vanguard Mortgage Company provides an intuitive online platform for applications, document uploads, and real-time status tracking. This digital-first approach, combined with a team of seasoned professionals, aims to simplify the mortgage experience while maintaining high standards of privacy and customer service for both purchase and refinance transactions, as well as HELOCs.
They specialize in a diverse range of home loan products, including conventional, FHA, Jumbo, and niche offerings like Hard Money loans and solutions for non-warrantable condos. A significant focus is placed on non-traditional income verification, with dedicated programs for Asset Qualification and Bank Statement loans designed to serve self-employed individuals and foreign nationals who may not fit standard lending criteria.
Committed to leveraging technology, The Vanguard Mortgage Company provides an intuitive online platform for applications, document uploads, and real-time status tracking. This digital-first approach, combined with a team of seasoned professionals, aims to simplify the mortgage experience while maintaining high standards of privacy and customer service for both purchase and refinance transactions, as well as HELOCs.
Company Information
Founded: 2019
Lender Type: Direct Lender
Licensed In
FL
Digital Capabilities
Online Application
Digital Document Upload
Online Account Management
Rate Calculator
Pre-Qualification Tool
Real-Time Status Updates
Home Loan Products
Conventional and Conforming Loans
Loan Types:
ConventionalRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
FHA Loans
Loan Types:
FHARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)
Jumbo Loans
Loan Types:
JumboRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)
Hard Money Mortgage Loans
Loan Types:
Hard MoneyBridge
Rate Types:
Fixed Rate
Property Types:
Investment PropertySingle-Family HomeCondo
Occupancy Types:
Investment Property
Employment Types:
Investor
Income Verification:
No Income Verification
Credit Tiers:
Poor (580-619)Bad (<580)
No Income Verification Loans
Loan Types:
Non-QMRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedInvestor
Income Verification:
No Income Verification
Credit Tiers:
Good (680-739)Fair (620-679)
Asset Qualification Mortgage Loans
Loan Types:
Asset DepletionNon-QMRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedInvestor
Income Verification:
Asset Depletion
Special Programs:
Asset Depletion ProgramForeign National ProgramSelf-Employed Program
Credit Tiers:
Excellent (740+)Good (680-739)
Bank Statement Income Verification Mortgage Loans
Loan Types:
Bank StatementNon-QMRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
Self-EmployedBusiness Owner
Income Verification:
Bank Statement
Special Programs:
Bank Statement ProgramSelf-Employed Program
Credit Tiers:
Good (680-739)Fair (620-679)
Bridge Mortgage Loans
Loan Types:
Bridge
Rate Types:
Fixed Rate
Property Types:
Single-Family HomeCondoTownhouseInvestment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-EmployedInvestor
Income Verification:
Full DocumentationNo Income Verification
Credit Tiers:
Good (680-739)Fair (620-679)
Sub-prime Loans
Loan Types:
Non-QMRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full DocumentationBank StatementStated Income
Credit Tiers:
Fair (620-679)Poor (580-619)Bad (<580)
Private Loans
Loan Types:
PortfolioNon-QMRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset DepletionStated Income
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)
Home Equity Line of Credit (HELOC)
Loan Types:
HELOC
Rate Types:
Adjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary ResidenceSecond Home
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)
Condo Mortgage Loans (Full/Limited Review)
Loan Types:
ConventionalRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Condo
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 Contractor
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)
Non-Warrantable Condo Mortgage Loans
Loan Types:
Non-QM
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
CondoInvestment Property
Occupancy Types:
Investment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset DepletionNo Income Verification
Credit Tiers:
Good (680-739)Fair (620-679)
Contact Information
Fax: 305-726-0302
Professional Licenses
NMLS ID: 1739929
1111 North Loop W
Houston, TX 77008
US
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Business Information
Category: Mortgage Lender
Location: Houston, TX
Status: Standard
Founded: 2019
Type: Direct Lender
NMLS ID: 1739929
Profile Views: 14
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