Exclusive Vault

Every loan is more than numbers, it’s your story. We’re here to guide you with clarity, care & confidence.

Every loan is more than numbers, it’s your story.

We’re here to guide you with clarity, care & confidence.

Exclusive Vault Options

Bank Statement

1099

Alt Doc

Interest Only

DSCR

Community

Foreign National

Hard Money

Bridge Loans

Programs Expanding

Homeownership Access

Community Loans

These loans help individuals with low or no income, limited assets, recent immigration, or other financial challenges qualify for a mortgage. Designed to expand access to homeownership, they provide opportunities for anyone to purchase the home they want, regardless of circumstance

Intro to Community Loans

At Loan Vault, we believe affordable housing is a right. That’s why we offer community loans designed to fit any budget or circumstance. We guide borrowers facing hardships to secure their dream home with the best rates, making the process faster, easier, and safer than the competition

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

Step Inside, We’ll Guide You

Confused about where to start?

Our Loan Guide will simplify the choices & guide you toward the solutions designed for you.

What is a Community loan?

A Community or NINA loan helps individuals & families without traditional income or assets qualify for a mortgage. Perfect for recent immigrants or those with unique circumstances, these loans often include low or no down payments and fixed rates.

These loans:

• Have no income documentation required
• Are available for families at or below 80% of their areas median income
• Apply to 30-year fixed rate mortgages to allow for consistency and predictability in financing

Is an Community Loan Right For You?

Requirements to keep in mind when considering a Community Loan:
• 25% or greater down payment
• 640 or higher credit score

Reach out

949.504.8694

contact@loanvault.io

Phyllis C.

2 months ago

My first encounter was with Amir. He took the time to explain the process, rates, and the benefit of refinancing. Aisan Hashemi handled all my paperwork and the whole process was thorough and professional. I recommend Trusted Mortgage to anyone especially military families because of their knowledge with VA financing. Overall, we were happy with their Service.
J & P Combs

Jamie F.

2 months ago

Great service and communication throughout our interactions

Robert A.

3 months ago

Adam and Aisan were great to work with. I could not believe how quick and painless they made the process. These two are the only people I will deal with when it comes to refinancing. Adam beat every other interest rate out there. No one else came close. Don’t waste your time with anyone else.

Louis V.

6 months ago

Highly professional and honest. Outstanding service. They treat us veterans with A + service.