Mayur Patel VEMA Mortgage (419) 560-4843 Apply Now
Who I Help

Find your perfect mortgage match

Every borrower is different. Here’s how I tailor the loan to where you are — and if you’re not sure which fits, that’s exactly what a free consultation is for.

Purchase

First-Time Home Buyers

Buying your first home is overwhelming — I’ll explain every step, protect you from costly mistakes, and get your approval done so you get the home you’re excited about.

Purchase

Move-Up & Second Homes

Buying while you already own has its own puzzles — timing, equity, qualifying with two homes. I’ll map out the cleanest path, whether it’s a new primary or a vacation place.

Refinance

Refinancing Homeowners

Lower your rate, shorten your term, or take cash out — I’ll structure the new loan so it actually saves you money, and show you the break-even math up front.

Invest

Investment Buyers

Financing built to maximize your return — from single rentals to growing portfolios, including DSCR options that qualify on the property’s income.

Government

FHA & VA Loans

Lower down payments and flexible credit requirements. If you qualify — especially veterans and service members — these programs can be the best deal on the board.

Jumbo

Jumbo & High-Balance

For homes above conforming limits. Access to multiple jumbo investors means competitive rates where single banks often can’t flex.

Apply Now — It Takes ~15 Minutes
FAQ

Questions everyone asks

Often far less than you think. Conventional loans start at 3% down, FHA at 3.5%, and VA loans can be zero down. There are also down-payment assistance programs — ask me which ones you qualify for.
A prequalification uses a soft or single credit pull with minimal impact. Multiple mortgage inquiries within a shopping window are treated as one by scoring models, so shopping smart won't sink your score.
A bank can only offer its own products. As a broker, I shop multiple lenders with one application — so competition works in your favor on rate, fees, and flexibility.
Typically 3–4 weeks from application to closing, sometimes faster. The application itself takes about 15 minutes online.
Very possibly. Different lenders have different credit appetites, and programs like FHA are built for imperfect credit. Let's look at your numbers before you rule yourself out.
When the monthly savings outweigh the costs within a timeframe you'll actually keep the loan. I'll show you the break-even math honestly — if it doesn't make sense, I'll tell you.

Still curious? Schedule a free consultation — no charge, no obligation.