VISIONARY LENDERS

About us

Natalie Lux and Randy Wittmann have extensive experience in working with all types of mortgages. This is due to their cumulative experience of over 50 years in the industry, and they have also been exposed to the dynamics of the mortgage market under various economic cycles.

In periods of both economic recession and economic expansion, they have had to devise innovative solutions regardless of the situations at hand. They possess a keen understanding of how the mortgage market is affected and how it should be managed during periods of economic downturn.

Natalie Lux had worked for wholesale lenders and other mortgage companies before joining her husband, Wittmann, at the mortgage company where he was employed at the time. Working together, they were able to achieve tremendous success, as they increased production from $5 million to $35 million per month within the first year. By changing the business process and selecting the right team, they were able to produce exceptional results. 

Non-QM Programs

Bank Statements
Bank Statements

➥ Max Loan Amount $4 million

➥Min 600 Credit Score

➥Business or Personal

➥Non-Warrantable Condos-Condotels 

➥Up to 90% LTV 

➥Interest Only Options Available

DSCR
DSCR

➥$3 million Loan Amounts

➥1-4 Units

➥No Ratio/Low Ratio to .75 Ratio/1:1 Ratio

➥DSCR 1:1 – 620 Min Credit

➥First Time Buyer/Investor OK

➥Up to 80% LTV

➥Gift Funds Allowed

ITIN
ITIN

➥Primary purchase and rate/term refinance transactions only

➥Credit scores as low as 640

➥Loan amounts up to $1M

➥Minimum down payment of 15% is required

Profit & Loss Only
Profit & Loss Only

➥$4 million Loan Amounts

➥1-4 Units

➥24- or 12-Month CPA, EA complied P&L Statement 

➥Up to 80% LTV

➥Gift Funds Allowed

Testimonials

"Great Experience!" "I had a great experience they made it easy to buy my home "
by Joe
Miami FL
"Fast Closing!" "I was buying 5 rental properties I was able to close in 10 days!
by Joey S
Palm Beach Florida
wow! Hands down, hats off. I shake your hand. You're a woman of honor. You did what u said you'd do. To me that goes a long way
by Richard
Boca Raton FL

VISIONARY LENDERS

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