About Us – Vema Mortgage LLC

Trusted Experience.

VEMA MORTGAGE (NMLS # 1019911) is a top-rated Mortgage Broker specializing in wholesale residential mortgages. We are committed to helping individuals and families realize the dream of home ownership in the US.

VEMA provides:

Competitive mortgage rates.
Personalized customer service
Diverse loan options for all backgrounds.

We are ranked among the TOP 20 brokers nationwide for our partner UWM.

Arizona

Colorado

Florida

Georgia

Oklahoma

Maryland

Minnesota

Michigan

North Carolina

New Jersey

Pennsylvania

South Carolina

Texas

Virginia

Lowest Rate

We prioritize understanding clients' goals and provide customized rate offers.

Great Team

Our team has diverse expertise across agencies for balanced service.

Best Service

We have fast response times and exceptional technical support.

Easy Onboarding

We focus on clients' objectives to streamline onboarding.

Transparent Processes

We follow clear and transparent processes to build trust.

Trustworthy Partners

Our thousands of satisfied customers validate our high-quality, trustworthy service.

Meet the Family

Licenses Information

State	Regulated By	State License #
Arizona (AZ)	Arizona Department of Financial Institutions	1050238
Colorado (CO)	Colorado Division of Real Estate	1019911
Florida (FL)	Florida Office of Financial Regulations	MBR3878
Georgia (GA)	Georgia Department of Banking and Finance	1019911
Oklahoma (OK)	Oklahoma Department of Consumer Credit	MB016132
Maryland (MD)	Maryland Commissioner of Financial Regulation	1019911
Minnesota (MN)	Minnesota Department of Commerce	MN-MO-1019911
Michigan (MI)	Michigan Department of Insurance and Financial Services	FL0024269
Michigan (MI) 2nd Mortgage	Michigan Department of Insurance and Financial Services	SR0021551
North Carolina (NC)	North Carolina Commissioner of Banks Office	B-183688
New Jersy (NJ)	New Jersey Residential Mortgage Broker License	1019911
Pennsylvania (PA)	Pennsylvania Department of Banking and Securities	96813
South Carolina (SC)	South Carolina Department of Consumer Affairs	1019911
Texas (TX)	Texas Division of Saving and Mortgage Lending	1019911
Virginia (VA)	Virginia Bureau of Financial Institutions	MC-7094

Customer Reviews

5/5 Star

819 reviews

    
 
 
        
   Vinay Sam 
 19 April 2024
 
 
  Vipul Ghanshyambhai Hapani is a great advisor and provides the right direction at the right time. He is very easy to contact and very responsive each time. Also he is very efficient and makes our job easy and helps us till the closure. The process was very clearly explained till the closure and now I got my home key without any hurdle with good rate/credit. Thanks Vipul and team.
  
 
       
   Winjoe Joseph 
 17 April 2024
 
 
  I m pleased with step by step guidance provided
  
 
       
   Ganesh Lalu 
 16 April 2024
 
 
  I recently had the pleasure of working with Vema mortgage, and I couldn't be happier with the experience. From start to finish, Sebastian made the entire home buying process incredibly smooth and easy. Their expertise gave me confidence and peace of mind as I navigated through the complexities.

Overall, I highly recommend Vema Mortgage to anyone in need of a mortgage. Their professionalism, expertise, and dedication to customer satisfaction truly set them apart.

And not to forget they got me a great rate. 5 Stars.
  
 
       
   Subrahmanyam Yeleswarapu 
 14 April 2024
 
 
  Chirag was simply superb, explained the steps in detail through out the process from the day 1 till the closing. Amazing service overall. Thanks Chirag!!!
  
 
       
   Damodar Poreddy 
 12 April 2024
 
 
  Our loan officer, P T Johnson explained us the process at the beginning and followed up with us until final settlement. Thank you for all your help in getting us best interest rate.
  
 
       
   jagadeesh siva 
 8 April 2024
 
 
  Thanks Sebastin for helping out and Complete the loan process .
  
 
       
   venkat gankidi 
 8 April 2024
 
 
  I had a very smooth refinance loan processing, Chirag and Vipul were prompt in responding to my questions. A great to work with for any type of mortgage processing.
  
 
       
   Rajkumar Singh 
 28 March 2024
 
 
  It was extremely easy process for me, Sebastian made everything go smooth and he guided me at every step of process, highly recommended!
  
 
       
   shridevi walvekar 
 22 March 2024
 
 
  Happy to say Vema mortgage provided us a very smooth experience processing our mortgage application. Thanks to Chirag for being there always for answering our questions and making this experience great.
  
 
  
  
 
 
   Google rating score: 5.0 of 5, based on 819 reviews

Zillow Reviews

5/5 Star

676 reviews

Sebastian is very knowledgeable and ensures transparency in all transactions. It was a wonderful experience to work with him and I would highly recommend Sebastian to anyone who is looking for good advice during the process of buying a home.

It was pleasure working with Sebastian. He was able to provide all the required information and provided explanations for the questions and concerns we had during the loan processing. Looking forward to working with him in future.

I contacted Chirag for my mortgage. He has been extremely professional right from day one. He explained each and every steps thoroughly. I got a very good mortgage deal. I would definitely recommend others to contact him for loan requirements.

Really liked working with Sebastian throughout my house buying process. He made my financing process very smooth. From start he provided valuable guidance and was always easily reachable which helped us to close on time.

Sebastian and his team were excellent during and after the entire lending process. His experience and expertise in the field, quick turnaround, prompt and detailed explanation were of great value to me and made my purchase journey extremely smooth.

Blindly, you can trust him. We will not regret it until the end of the closing. I got his reference from my friend, and after enquiring with other lenders, Chirag will provide the best service and the best rate compared to others for any loan requirement.

Sebastian made the whole mortgage process very smooth for me being first time buyer. He was patient to answer my questions and providing his suggestions as well based on his experience. It was a wonderful experience to work with him.