Let's make
homeownership a reality!

Welcome to Loans By Vicky Porter, your trusted mortgage expert for all your home loan needs. Navigating the world of mortgages can be overwhelming, but with my expertise, you’re in capable hands.

Getting a home loan should be easy!
We make the process simple

Access everything you need for a seamless home loan application, ensuring simplicity every step of the way

Access to Multiple Lenders

We work with 60+ wholesale lenders to get you the best possible loan options customized for your situation.

Time and Effort Savings

We shop the lenders for you. Consider us the Costco of mortgage loans. We streamline the process for you and are here for you every step of the way.

Customized Solutions

Unlike banks and credit unions, we tailor your loan options for a mortgage solution that suits you. Whether you are self-employed, W2, using assets to qualify or anything in between.

Our Process

When it comes to purchasing your dream home, the process can often feel overwhelming and complicated. However, our team has worked hard to simplify the process and make it as easy as possible for you. We understand that finding your perfect home is a big decision, and we want to support you every step of the way. With our streamlined process, you can feel confident that you’re making the right choice for you and your family

Step 1: Application

Unlike banks and credit unions, we are available when you are. You can talk to us personally, even outside of traditional banking hours, to take your loan application over the phone. If you prefer, you can also submit your loan application securely through the app or online.Nov 09, 2017

Step 2: Pre-Approval

Like a regular mortgage application, a pre-approval requires documentation to verify your income, assets and credit, including bank statements, pay stubs and federal tax returns. A pre-approval is far more valuable than a simple pre-qualification, especially in this market. If you need a referral for an amazing realtor, we can help with that too.Nov 09, 2017

Step 3: Property Search and Offer

This is the fun part! You will work with your realtor to find the right home for you. Your realtor will submit the offer to the seller. Remember to call with any questions during this process.Nov 09, 2017

Step 4: Underwriting

Once you are under contract (your offer is accepted) we may ask you for additional documentation. Your file will go to underwriting to review all your documents. Once you are “initially approved” with underwriting, we may ask for other documents to receive a final approval on your loan.Nov 09, 2017

Step 5: Clear to Close

This means your mortgage loan has been fully approved! We will work with the title company to prepare the final documents for you to sign at closing.Nov 09, 2017

Step 6: Funding and Recording

If you are purchasing a home, this is when you get the keys to your new home. This generally happens the same day or the next day. If you are refinancing, this will happen three days after closing.Nov 09, 2017

We have a variety of
home loans that fits your needs

Our wide selection of loan options offer you the ability to choose the perfect loan for your goals and needs. From fixed-rate mortgages to adjustable-rate mortgages, we can help you reach your homeownership goals.

Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac. Typically, conventional loans have better rates, terms and/or lower fees than other types of loans. However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income. Conventional loans are ideal for borrowers with excellent credit and at least a 5% down payment.  Learn more >

It’s easy to understand why many people looking for a new home are turning to FHA insured loan programs. Because FHA Loans are insured by the Federal Housing Administration homebuyers have an easier time qualifying for a mortgage. Those who typically benefit most by an FHA loan are first-time home buyers and those who have less than perfect credit. Learn more >

A VA loan is a type of mortgage loan that is guaranteed by the U.S. Department of Veterans Affairs (VA) and is available to eligible veterans, active-duty service members, National Guard and Reserve members, and certain members of the military community, such as spouses of deceased veterans. VA loans are designed to help veterans and their families become homeowners with favorable terms and benefits. Learn more >

Refinancing a home mortgage can be a big decision for many homeowners. Your situation and needs change over time so why shouldn’t your mortgage? Now might be the right time for you to refinance into a lower rate mortgage. You should take the time to consider the following questions to see if refinancing makes sense for you. Learn more >

A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA. Learn more >

A jumbo loan, also known as a jumbo mortgage, is a type of home loan that exceeds the limits set by the Federal Housing Finance Agency (FHFA) for conventional conforming loans. In the United States, the FHFA sets limits on the maximum loan amount that can be purchased or guaranteed by government-sponsored entities like Fannie Mae and Freddie Mac. These limits are intended to help stabilize the housing market and ensure that loans remain accessible to a broad range of borrowers. Learn more >

Many homeowners have found that a reverse mortgage loan is a great way for them to take advantage of the equity they have built up in their homes. A reverse mortgage loan is different than a traditional mortgage. With a traditional mortgage loan, you make monthly mortgage payments, but with a reverse mortgage loan the lender pays the monthly mortgage payments using some of your equity. You may also qualify for a one-time lump sum payment, a line of credit or a combination of a line of credit and one-time lump sum. You may also qualify for monthly installments in some cases. The money you receive is dependent on your age, the value of your home and the current interest rate. Learn more >

Learn more about Reverse for Purchase >


Investment loans are used to invest in real estate for rental income or capital appreciation. They are designed for individuals or businesses. Learn more>

Commercial mortgage loans finance commercial real estate purchases or refinancing. This includes office buildings, retail spaces, industrial warehouses, apartments, hotels, and income-producing business properties.
Learn more>

We Offer Quick Mortgage Loans

We understand that time is of the essence when it comes to real estate. With our user-friendly app, you can easily get pre-approved for a mortgage loan in just a few simple steps. No more waiting in lines or dealing with stacks of paperwork. Our app streamlines the pre-approval process, allowing you to submit your information, check rates, run calculations, etc. all from the palm of your hand. Take control of your homebuying journey today.

Schedule a call

Please let us know when is a convenient time for you to discuss mortgage loan options.

Let's Connect

When you work with me, I'm willing to meet you where you're at, on whatever platform is most comfortable for you. Whether that's in person, through texting, Facebook Messenger, FaceTime or Zoom!

Our Testimonials

Vicky is amazing at what she does! She’s fast and efficient. Love her!!❤️

Tara Sanchez

Vicky has been amazing to work with both me and our buyer on closing her first home! She has a fast response in all of her communication. Can’t wait to work with her again!

Thora Bott Real Estate with Roger

She goes above and beyond! She works so hard!! She truly cares about her clients!! ⭐️⭐️⭐️⭐️⭐️

Lori Sutton First American Title

Vicky’s Service is over the top !!! And I know her to be honest in her dealings, both business and personally.

Patty Wadley Indian Trail Glass and Art

Get Pre-Approved quickly through our app!

Copyright ©2023 | Loans by Vicky. All Rights Reserved. | Licensed in Arkansas (131315), Idaho (MLO-2082035468), Florida (LO99942), Georgia (2035468), Utah (8960153)

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