Why Now?
You may ask, “Why open a mortgage organization now when so many are closing their doors and interest rates are rising?” What if you had a crystal ball and could see into the future? Would you do things differently? Great question… and NO, we do not possess psychic abilities. However, we have something even better: a behind-the-scenes look at why so many mortgage providers are failing…
In 2017, we decided to venture back to our roots of mortgage lending after engaging in other opportunities. This return to the industry allowed us to gain experience in hard money lending, conventional and non-qualified mortgage loans in retail, wholesale, and correspondent capacities.
Our extensive experience working with large and small organizations in sales, support, and leadership gave us a clear picture of exactly what is lacking in our industry. Top-heavy and disconnected management, as well as lack of execution, was rendering endless meetings
completely useless.
Now more than ever, prospective real estate owners need an efficient, reliable, and transparent mortgage lender they can trust to achieve their goals. This is due to how dynamic the economic landscape has become, and the challenges it has created in mortgage financing. This is the primary reason Natalie Lux and Randy Wittmann have created Visionary Lenders: a customer-centric mortgage lender to provide consumers with the financing assistance they need to acquire, develop, and maintain real estate. There are already countless mortgage lenders in the market that offer everything from retail, portfolio, and wholesale lending, to correspondent, and hard money lending. However, there is one quality that sets Visionary Lenders apart from all others
Visionary Lenders
What We Do
Team Process Technology
Our process offers communication and transparency in every step. Our referral partners and customers are kept informed along the way, beginning with the application stage, the closing stage, and all stages between. Using the latest technology available allows us to automate our processes for optimal efficiency. Visionary Lenders can operate with a streamlined staff while keeping the personal touch of integrity in every transaction
Through experience in all programs, including the unique Non-QM programs and the standard conventional products, we provide solutions that will help clients accomplish their goals, whether it is purchasing or refinancing.
Responsibility
Real estate customers often find themselves in mortgage arrangements that are not suited to
their individual financing needs. Clients in such situations find it exceedingly difficult to
acquire/develop property, as well as finance their mortgages.
That is why, as Visionary Lenders, we provide a unique solution to people seeking mortgages.
Instead of generalized packages, we provide mortgage lending services that are tailored to the
personal needs of our customers.
We review every detail, from their property requirements to their financial capability and their
future plans, and present customized solutions that can serve them best. We offer our customers the most favorable terms as it pertains to interest rates and payment schedules.
This personalized, customer-centric approach to mortgage lending is what makes Visionary Lenders exceptional. As a company, Visionary Lenders is also founded on principles and values of honesty, service, and transparency.
Therefore, everything we do is in the best interest of our customers, and never at their expense. This helps to build a very sustainable business model as our satisfied customers take the initiative to give us much-needed referrals.
These referrals will assist in expanding the business, as well as solidify our reputation, as the
most customer-centric mortgage lender in the industry. This sustainable business model is how we can guarantee unlimited growth potential and profitability in the long term.
About us
Experience You Can Rely On
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.
After this, Natalie and Randy ventured into retail originations and, yet again, were able to build a competent team and boost revenues. Then, the 2008 financial crisis took a toll, and they had to rebuild from the ground up. As their bounce-back strategy, they began partnering with investors after seeing opportunities in the market and began flipping houses. They were able to successfully profit from this and closed over 50 transactions.
Market opportunity changed again, and their connections with home builders led them to operate a custom cabinet design company that went on to gross seven figures in its first year. However, as much as they had been able to recognize all this success, they realize a professional and experienced team will aid in unlocking the full potential of Visionary Lenders.
In 2017, we decided to venture back to our roots of mortgage lending after engaging in other opportunities. This return to the industry allowed us to gain experience in hard money lending, conventional and non-qualified mortgage loans in retail, wholesale, and correspondent capacities.
Our extensive experience working with large and small organizations in sales, support, and leadership gave us a clear picture of exactly what is lacking in our industry. Top-heavy and disconnected management, as well as lack of execution, was rendering endless meetings completely useless.
The Visionary Lenders Team
Visionary Lenders has hand-selected a group of mortgage professionals that are not only the best and most experienced in the industry but also share the same vision and possess solution-oriented mindsets that will set us apart in this industry.
Mission
Visionary Lenders is a company that qualified individuals not only want to establish employment with, but it is also a company where our referral partners and customers can feel confident as they are guaranteed the best products that are tailored to their individual needs. Visionary Lenders will dominate the industry as a leading mortgage lender and will be recognized for their exceptional customer experience, products, and services.
Our Team
Randy Wittmann & Natalie Lux
Randy Wittmann & Natalie Lux
Out of the box thinkers looking for the solution in any situation NonQM experts
Mallory Conklin
Mallory Conklin
I have a true passion for Non-QM lending and assisting clients with their mortgage needs experience think outside the box, and approach complex scenarios with unconventional solution
Kevin Tran
Kevin Tran
My mission is to continue to build, improve, and bring in new business with our broker partners
We're Here To Help You
Our Products
Visionary Lenders is a Non-QM specialist that offers a full suite Non-QM mortgage products
Non-QM
Non-QM (non-qualified mortgage) products are designed for borrowers who may not meet the strict guidelines and criteria that are required to qualify for a conventional mortgage. These borrowers may have unique financial situations or credit profiles that do not fit within the traditional mortgage lending standards.
Includes:
- Personal Bank Statement
- Business Bank Statement
- DSCR
- ITIN
- Foreign National
- Asset Depletion
- 1099
- Non-Warrantable Condos and Condotels
- Multi Family to 8 Units
- Cross Collateralization
- Second Mortgages