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.

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.

Arkansas

Arizona

California

Colorado

Connecticut

Delaware

Florida

Georgia

Illinois

Indiana

Massachusetts

Maryland

Minnesota

Michigan

North Carolina

New Jersey

Ohio

Oklahoma

Oregon

Pennsylvania

South Carolina

Tennessee

Texas

Virginia

Washington

Licenses Information

State	Regulated By	State License #
Arkansas (AR)	Arkansas Mortgage Broker License	1019911
Arizona (AZ)	Arizona Department of Financial Institutions	MB-1050238
California (CA)	DFPI Financing Law License	60DBO-200360
Colorado (CO)	Colorado Division of Real Estate	1019911
Connecticut (CT)	Connecticut Mortgage Broker License	MB-1019911
Delaware (DE)	Delaware Broker License	042287
Florida (FL)	Florida Office of Financial Regulations	MBR3878
Georgia (GA)	Georgia Department of Banking and Finance	1019911
Illinois (IL)	Illinois Residential Mortgage License	MB.6850199
Indiana (IN)	Indiana Secretary of State, Securities Division	1019911
Maryland (MD)	Maryland Commissioner of Financial Regulation	1019911
Massachusetts (MA)	Massachusetts Mortgage Broker License	MB1019911
Minnesota (MN)	Minnesota Department of Commerce	MN-MO-1019911
Michigan (MI)	Michigan Department of Insurance and Financial Services	FL0024269
Michigan 2nd Mortgage	Michigan Department of Insurance and Financial Services	SR0021551
New Jersey (NJ)	New Jersey Residential Mortgage	1019911
North Carolina (NC)	North Carolina Commissioner of Banks Office	B-183688
Ohio (OH)	Ohio Residential Mortgage Lending Act Certificate of Registration	RM.805374.000
Oklahoma (OK)	Oklahoma Department of Consumer Credit	MB016132
Oregon (OR)	Oregon Division of Financial Regulation	1019911
Pennsylvania (PA)	Pennsylvania Department of Banking and Securities	96813
South Carolina (SC)	South Carolina Department of Consumer Affairs	1019911
Tennessee (TN)	Tennessee Mortgage Broker License	1019911
Texas (TX)	Texas Division of Saving and Mortgage Lending	1019911
Virginia (VA)	Virginia Bureau of Financial Institutions	MC-7094
Washington (WA)	Washington Consumer Loan Company License	CL-1019911

Customer Reviews

5/5 Star

1138

reviews

    
 
 
       Posted on Google  
   
   bhavuk chawla 
 16 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. ⭐⭐⭐⭐⭐

I had an exceptional experience working with Vipul for my home loan. From our very first conversation, Vipul was professional, knowledgeable, and genuinely committed to helping me find the best financing option for my needs.

Throughout the entire process, Vipul kept me informed, answered every question promptly, and made everything simple to understand. His attention to detail, transparency, and dedication ensured that my loan closed on time and without any surprises.

Buying a home can be stressful, but Vipul made the experience smooth and hassle-free. I truly appreciated his responsiveness, patience, and willingness to go the extra mile to make sure everything went perfectly.

I highly recommend Vipul to anyone looking for a reliable, trustworthy, and experienced home loan lender. If you’re looking for someone who genuinely cares about their clients and delivers outstanding service, Vipul is the person to call!
  
 
      Posted on Google  
   
   Darshit Patel 
 15 July 2026
 
 
 Trustindex verifies that the original source of the review is Google. Vipul was with me in every step of the process, offering detailed guidance and making sure I understood all my options. He made the entire process feel simple and manageable. He’s truly awesome—professional, supportive, and incredibly easy to work with. I’m genuinely grateful for all his help.
  
 
      Posted on Google  
   
   Arun Manohar 
 27 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. Had Vipul refinance my current mortgage. Was a breeze to work with him. Will choose him again for our future endeavours.
  
 
      Posted on Google  
   
   hamdah Awan 
 8 June 2026
 
 
 Trustindex verifies that the original source of the review is Google. I worked closely with Sebastian and he was great! Answered all my questions and was always available when I contacted him
  
 
      Posted on Google  
   
   Stephen Raj 
 5 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Great working with Vipul.
  
 
      Posted on Google  
   
   Pakkirisamy S 
 4 May 2026
 
 
 Trustindex verifies that the original source of the review is Google. Sebastian was very helpful, clearly explained the process, and made sure everything was completed smoothly.
  
 
      Posted on Google  
   
   Kalyan Kancharla 
 30 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. We recently completed the refinance of our home, and working with Vipul Hapani was a great experience from start to finish. He was professional, responsive, and guided us clearly through every step of the process.

Vipul was always available to answer our questions, kept us updated throughout, and made the entire refinancing process smooth and stress-free. His knowledge and attention to detail helped ensure a successful and timely closing.

We truly appreciate his support and would highly recommend Vipul Hapani to anyone looking for a reliable and trustworthy mortgage broker.
  
 
      Posted on Google  
   
   Vishal Khoslah 
 29 April 2026
 
 
 Trustindex verifies that the original source of the review is Google. Vipul is an exceptional mortgage professional who truly went above and beyond to make our home purchase a reality. From our first conversation, he was transparent, deeply knowledgeable, and clearly committed to finding the best path forward for us.

What stood out most was Vipul’s dedication during the underwriting process. Even when things became complex or the timeline felt tight, he remained a steady, proactive advocate for us. He handled every hurdle with urgency and precision, working tirelessly behind the scenes to ensure our loan stayed on track for an on-time closing.

His communication was top-notch—we were kept informed every step of the way, which provided immense peace of mind during a high-pressure time. If you’re looking for a broker who is highly skilled, remarkably dedicated, and willing to put in the extra effort for his clients, we cannot recommend Vipul highly enough!

Zillow Reviews

5/5 Star

778 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.