Vintage Lending

Vintage Lending CA, OR & WA Premier Mortgage & Real Estate Brokerage
800-385-3657 | www.pmccanhelp.com
[email protected] | NMLS 287106 | CA BRE 01813481 Why us?

We have been a premier California, Oregon & Washington mortgage and real estate broker since 2007. Our broker platform provides direct access to a wide array of Real Estate sales, financing programs, 3rd party loan processing and related services. Our process is very simple, direct, fast and user friendly. Each of us at Vintage Lending has a personal story of how we got into this business and what

we have been able to accomplish over the past few years. Our commonality is based on having the same vision and together as a team our success is based on how many people we are able to help. We have built our business mostly on referrals. Our favorite part of each purchase transaction is the day our client receives their keys to their new home. In some cases, we are not able to help every applicant, but we have given them the necessary tools to begin working on what is needed to be able to reach the goal of homeownership in the near future. We care about every client and their families and it shows when they return their gratitude with referrals. NMLS 287106 | CA BRE 01813481

100% Gift Funds Allowed - Purchase Only DSCR NOO Program - 75% Max LTVMax Loan Amount $2M3 Mo. PITIA Reserves requiredAp...
06/10/2026

100% Gift Funds Allowed - Purchase Only
DSCR NOO Program - 75% Max LTV
Max Loan Amount $2M
3 Mo. PITIA Reserves required

Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

Home Financing - W-2 borrowers who recently transitioned to 1099 are still eligible for financing provided they stayed i...
05/26/2026

Home Financing - W-2 borrowers who recently transitioned to 1099 are still eligible for financing provided they stayed in a similar role and industry.

✅ Primary Residences, Second Homes, and Investment Properties
✅ Borrower with a pass-through entity (LLC, S-Corp, etc.) is acceptable

Apply Online www.pmccanhelp.com or email your loan scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

California - 5+apartment loan financing for purchase, refinance and construction. We have the flexibility to structure t...
05/12/2026

California - 5+apartment loan financing for purchase, refinance and construction. We have the flexibility to structure the right loan for you, and respond quickly, because we make all of our credit decisions. Before you consider buying another property or refinancing your existing loan, call us today to discuss the best financing solution for you. We offer several apartment loan programs with competitive rates and flexible terms.

Loans Under $500k Welcomed
Loan Amounts to $10 Million
Interest Only Options Available
No Pre-Payment Penalty Options
Fixed Rates (3-10 years) or Adjustable Rates
30 Year Term
Fast Approvals - 30 Day Fundings
Equity Line of Credit

Apply Online

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

Homebuying Tip - Freddie Mac Only:The monthly payment of an automobile lease may be excluded from the DTI when the remai...
04/20/2026

Homebuying Tip - Freddie Mac Only:
The monthly payment of an automobile lease may be excluded from the DTI when the remaining balance is paid off prior to closing (cannot be done at closing). The funds used to pay off the lease must be verified.

Apply Online www.pmccanhelp.com or Email Your Loan Scenario to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

Fannie Mae and Freddie Mac have released updates to Condo guidelines and insurance requirements that could make more con...
04/02/2026

Fannie Mae and Freddie Mac have released updates to Condo guidelines and insurance requirements that could make more condominium projects eligible for Conventional financing.

Changes to Insurance:
• 1-4 unit condos no longer require replacement cost value
• Inflation guard is no longer required on condo projects
• Per unit deductible is now capped at $50,000 but can be > 5%
• HO6 max deductible is 5% or $2,500, whichever is greater
Changes to Condo Guidelines:
• Waiver of Project Review can now includes 5-10 unit projects
• No limit on investor concentrations on established projects
• Florida projects no longer require PERS review
• Discontinued the Limited Review process on application on or
after 8/3/26
• Budgeted reserve allocation increased to 15% on applications on or after 1/4/27

Conventional financing provides an affordable solution for condo buyers. With down payments as low as 3% and flexible credit requirements, these changes could help make Conventional financing accessible to more
condo buyers.

Apply Online www.pmccanhelp.com or email your loan scenario questions to [email protected].

Trust the professionals of Vintage Lending to serve as a mortgage loan broker in your commercial broker, financial service or mortgage lending needs. Have a loan scenario? Email [email protected].

Address

777 East 4500 South, #220
Roseville, CA
84107

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