Velocity Mortgage Capital

Velocity Mortgage Capital is a nationwide direct portfolio lender that specializes in investment property loans for residential 1-4 unit, multi-family, mixed-use, and small commercial properties. Founded in 2004, the company focuses on asset-based mortgage solutions tailored for independent real estate investors and small business owners who may not qualify for traditional bank financing.

The company operates through a network of mortgage brokers across 45 states and Washington, D.C. It utilizes proprietary technology and customized workflows to ensure efficient loan processing and quick lending decisions. Velocity Mortgage Capital offers a variety of loan products, including loans for single-family residences, multi-family properties, mixed-use and small commercial properties, as well as fix-and-flip loans, refinance options, and bridge loans. Loan amounts range from $75,000 to $5 million, with flexible terms available.

Velocity Mortgage Capital primarily serves independent real estate investors, small business owners, and mortgage brokers. Its underwriting philosophy emphasizes property value and borrower credit history, supported by extensive data and technology investments. The company is recognized as a leader in financing residential rental and small commercial properties, known for its quality execution and timely closings.