on your Purchase & Refinance !
Mortgage Solutions & Expert Guidance !
Vema Mortgage : Your Trusted Partner.
the Perfect Mortgage Solution
Broker in Town with the lowest rates.
Mortgage Solutions & Expert Guidance !
on your Purchase & Refinance !
Mortgage Solutions & Expert Guidance !
Living the American Dream !
About Us
VEMA MORTGAGE (NMLS # 1019911) is a top-rated mortgage broker providing exceptional service and competitive rates to help individuals and families realize the dream of home ownership. With personalized guidance and a variety of mortgage options, VEMA simplifies the lending process. Ranked among the top 20 UWM brokers nationwide, VEMA has the expertise to find each customer the right financing solution.
What We Do
VEMA offers competitive mortgage rates and personalized customer service as well as a variety of flexible mortgage packages for customers with diverse backgrounds and needs. We are ranked in the TOP 20 Brokers (for UWM) nationwide.
We are licensed in the following states:
AZ, CO, FL, GA, OK, MD, MN , MI, NC, PA, SC, TX, & VA
21+
Years of Experience
11,200+
Satisfied Customers
13
States Licensed
1610+
5 Star Reviews
Am I Ready To Buy?
When considering homeownership for the first time, it’s important to determine if buying makes both, financial and practical sense for you. To do so, consider the pros and cons to both renting and buying, weighing them to your personal situation.
Why Choose Vema Mortgage
Lowest Rate
We prioritize understanding clients' goals and make customized rate offers accordingly.
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 Process
We follow clear and transparent processes to build trust.
Trustworthy Partners
Our thousands of satisfied customers validate our high-quality, trustworthy service.
Customer Reviews
5/5 Star
796
reviews
Suvedi Family
28 January 2024
They were super helpful in explaining how the mortgage broker business works and giving great advice. Very trustworthy.
Ram kumar kuncha
26 January 2024
Excellent service, provided complete information and educated regarding refinancing and helped get lower rates, I checked with multiple lenders no body could give such service and rates. Also helped by providing closing costs. I would definitely recommend Johnson and his team and this team will be my preferred refinance experts for my next one too.
Jivesh Gaur
21 January 2024
Successfully closed on my new home!! I had an amazing experience working with PT Johnson, so easy to work with him. He provided very simple and clearly laid out process steps, I followed the instructions, submitted the documents on-time and the entire process went very smooth. I have heard stories where buyers had horrifying experience and they ended-up with either delayed closing or had to change their lender. But none of that with P.T. Johnson, he got me rates that nobody could offer, forget about beating it (I got quotes from National Banks, Credit unions, Online lenders, local loan officers). He was always responsive to my text messages and off-work hour phone calls, a quality I really appreciated. I highly recommend him.
shruthi javvaji
20 January 2024
I appreciate johnson’s prompt assistance in closing my loan. Your guidance throughout the process was invaluable, making the experience smooth and stress-free. Thank you for demonstrating exceptional expertise, ensuring a seamless loan closure. I highly appreciate the professionalism and efficiency exhibited throughout the process. Grateful for a hassle-free experience. I would highly recommend Johnson here at VEMA Mortgage!
Shweta Rathore
19 January 2024
Johnson was our lending officer. He is very proactive and helpful. As we recently moved to US, he guided us at each step. I strongly recommend him.
Anoop Mathew
18 January 2024
I had an outstanding experience working with Vema Mortgage. They were incredibly reliable, always acting promptly and coordinating seamlessly with the title company. The closing process was smooth, and I had no worries at all. What stood out was their constant availability to clarify any doubts I had, making the entire process transparent and stress-free. Moreover, they offered me the best rates, and their straightforward approach was truly commendable. I highly recommend them and am giving a well-deserved 5-star rating. Thank you for the exceptional service!
Prince Joseph
17 January 2024
I recently had the pleasure of working with Sebastian George from Vema Mortgage, and I must say, the experience was exceptional.Sebastian's expertise and commitment to securing the best mortgage deal for us were truly remarkable. Throughout the process, he provided clear and transparent communication, making a complex procedure easy to navigate. Sebastian's dedication to understanding our financial goals and negotiating the best terms for our mortgage went above and beyond our expectations.Working with Sebastian felt like having a knowledgeable ally on our side. He took the time to explain every detail, ensuring we felt confident and informed throughout the process. His personalized approach and customer-centric attitude set a high standard for service.I highly recommend Sebastian George for anyone seeking mortgage assistance. Thank you, Sebastian, for your outstanding support!
SANJEEV P
13 January 2024
It was great working with Vema mortage for recent home purchase. Sebastian & Neelima helped me throughout my mortgage loan processing. They are very knowledgeable & experienced. Entire Loan process & closing was also very smooth.
I highly recommend Vema mortage LLC for any mortgage help.
Karthik
11 January 2024
Low closing costs and Faster Loan Processing
i had great expireance, and guided pin to pin explained what to choose
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.
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Our Happy Customers
Am I Ready To Buy?
When considering homeownership for the first time, it’s important to determine if buying makes both financial and practical sense for your situation. Consider the pros and cons of both renting and buying, and weigh them accordingly.