Derek Vail

Derek Vail Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Derek Vail, 15250 Ventura Boulevard, Pasadena, CA.

05/19/2026

Not everyone qualifies off traditional income… and honestly, not everyone should have to.

With Asset Utilization loans, we can use assets to qualify rather than relying strictly on income.

This is where creative lending comes in. Different borrower, different strategy.

If the bank said no or the paperwork doesn’t tell the full story, there are often other options.

Derek Vail
Mortgage Broker | NMLS 1233953
Los Angeles

RealEstate

Love you mother! ❤️❤️❤️
05/10/2026

Love you mother!

❤️❤️❤️

Another in the books! 107 grueling miles of gravel, road and what felt like miles and miles of deer trails…. Always a t...
05/05/2026

Another in the books!

107 grueling miles of gravel, road and what felt like miles and miles of deer trails…. Always a test of your will, and the next day your knee’s 😅. Cheers to the BWR and all who competed! Love the excuse it gives me train with my riding buddies.

Rates moved higher this week and yeah I know… not what people want to hear 🤷‍♂️But here’s the real talk… We’re still sit...
05/04/2026

Rates moved higher this week and yeah I know… not what people want to hear 🤷‍♂️

But here’s the real talk…
We’re still sitting below the recent highs and buyers are adjusting fast.

Every time rates dip even a little demand jumps.
Every time they move up people hesitate.
That’s the game right now…

If you’re waiting for the “perfect” rate you’re probably gonna miss the better opportunity which is the house.

There are still ways to win in this market:
-Buydowns
-Seller credits
-Different loan structures most people don’t even know exist

Point is don’t try to time rates, have a strategy instead.

If you’re even thinking about buying or refinancing let’s map it out so you’re not guessing.

04/29/2026

$5M+ loan amounts aren’t just for “perfect” borrowers.

Non-QM loans can go north of $5M and they’re built for people who don’t fit the standard box.

Think:
• Business owners writing everything off
• High earners with complex income
• Investors stacking properties
• Clients with strong cash flow but messy tax returns

Instead of tax returns you can qualify using bank statements.

Yes, rates are higher than conventional
But the tradeoff is flexibility and actually getting the deal done.

At this level, it’s less about checking boxes
and more about structuring it the right way.

If you’re trying to play in that $5M+ range,
you need options… not limitations.

⸻

04/26/2026

$1.2M in LA = more options than you think!

Most people assume 20% down…

Down payment options:
3.5% ≈ $42K
5% ≈ $60K
10% ≈ $120K
15–20% ≈ $180K–$240K

Why this price point matters:
You’re right at the edge of conforming and jumbo

Meaning you can:
• Stay in high balance (best pricing)
• Go jumbo for flexibility
• Or even FHA if needed

Multiple ways to structure the same deal!

It’s not just about qualifying… it’s about choosing the right loan!

If you’re around this range, I’ll map it out for you.

Derek Vail
NMLS 1233953
Phone 323.823.7913
Email Derek@7mtg@com

Address

15250 Ventura Boulevard
Pasadena, CA
91202

Telephone

+13238237913

Website

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