One Platform.
Every Mortgage.

Start with your goal, whether you will live in the property or rent it out, and how you document your income. Our loan program guide helps you explore the choices. A loan officer can then review your situation and help you compare appropriate options.

VirtuaLending helps you compare programs from participating lenders and understand the tradeoffs between rates, fees, payments, and loan terms. Your loan team helps prepare your application and works with the selected lender as your loan moves forward. Final approval and terms depend on the lender’s review.

RatePricer is VirtuaLending’s investment financing experience, combining technology with a real loan team. It focuses on DSCR loans and investor-purpose P&L-only loans. You can explore those options through RatePricer and work with our team on other mortgage programs.

Yes. VirtuaLending offers primary-home financing, including conventional, FHA, VA, and USDA programs, as well as options for self-employed borrowers. The right fit depends on your property, finances, and the program’s requirements. Explore our loan programs or talk with the team.

Browsing our loan programs or using the loan finder does not run a credit check. A soft credit inquiry does not affect your credit score; a hard inquiry may. If a credit report is needed for your next step, your team will explain the type of inquiry and obtain your authorization before requesting it.

Absolutely. Contact our loan team to discuss your goals, ask about documentation, or compare your next steps. You do not need to know which program to choose before reaching out. If you decide to move ahead, your team will explain the application and documents needed for your loan.