Victoria De Koning

Licensed Mortgage Broker — Nationwide

Your Path to
Homeownership &
Smart Investing

Whether you're buying your first home, refinancing, or growing an investment portfolio — I find the right loan at the right rate, faster than the banks.

34States Licensed

200+Loans Closed

50+Lender Partners

10+Yrs Experience

Get Pre-Approved Calculate Payment

No cost — broker fees paid by lender

Pre-approval in 48 hours

50+ lender partners nationwide

Start Your Application

Takes under 2 minutes. No credit pull required.

Your information is secure and never sold to third parties.

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Traditional Lending

QM Loan Programs

Owner-occupied purchases, refinances, and first-time buyer programs — handled with the same speed and attention as our investor loans.

Conventional Loans

Down payment from 3%, competitive rates, no upfront mortgage insurance with 20% down.

FHA Loans

3.5% down with flexible credit requirements. Great for first-time buyers or borrowers rebuilding credit.

VA Loans

Zero down payment for eligible veterans and active duty. No PMI, competitive rates.

Jumbo Loans

Loan amounts above conventional limits. Competitive rates for high-value primary and second homes.

What You'll Need

✓ 2 years W-2s or tax returns
✓ 30 days of recent pay stubs
✓ 2 months bank statements (all pages)
✓ Government-issued photo ID
✓ Credit authorization
✓ Completed mortgage application

Pre-approval letters issued within 24 hours of completed application. Realtor coordination available immediately.

Get Pre-Approved

The Process

Closing Your Loan in 4 Simple Steps

From application to keys in hand — we make the process clear, fast, and stress-free.

Apply in Minutes

Fill out our short form above. No credit pull, no commitment. Tell us your goals and loan type.

Get Pre-Approved

We review your file and issue a pre-approval letter within 48 hours — often same day for investor deals.

We Shop Your Rate

We compare 50+ lenders and present your best options — rate, fees, and terms — side by side.

Close & Move In

We coordinate everything through closing. Most purchases close in 21–30 days. Investor deals in as few as 7.

Investor Lending

Built for Real Estate Investors

No W-2s, no tax returns, no bureaucracy. These programs are engineered around deal metrics — not your day job.

DSCR Loan Program

Debt Service Coverage Ratio loans qualify based on the property's rental income — not your personal income, tax returns, or employment history. If the rent covers the payment, you can qualify.

No income verification, no tax returns
Single-family, multi-family up to 10 units
DSCR as low as 0.75x on some programs
LTV up to 80% purchase, 75% cash-out refi
Loan amounts from $100K to $3M+
Short-term and long-term rental eligible
Close in as few as 15 days

DSCR Quick Analyzer

Monthly Gross Rent ($)

Purchase Price ($)

Down Payment (%)

Interest Rate (%)

Loan Term

Loan Amount$280,000

Monthly P&I$1,958

DSCR Ratio1.43x

QualificationQualifies

Fix & Flip Loan Program

Short-term bridge financing for acquisition and rehab. We lend based on the deal — ARV, scope of work, and your exit strategy — not just your credit score.

Up to 90% of purchase + rehab costs
75% of ARV max loan ceiling
6 to 18 month terms, interest-only
Rehab funds released in draws
First-time flippers considered
Close in 7–14 business days
Builders risk insurance guidance included

Fix & Flip Analyzer (75% ARV Rule)

After Repair Value — ARV ($)

Purchase Price ($)

Estimated Rehab ($)

Holding Period (months)

75% ARV Limit$240,000

Total Project Cost$235,000

Potential Profit$85,000

Deal StatusDeal Works

Bank Statement Loan Program

If you're self-employed and your tax returns don't reflect your actual income, this program is built for you. We use 12–24 months of deposits to calculate qualifying income.

Personal or business bank statements
12 or 24 month averaging options
Primary residence, second homes, investment
Expense factor applied to business statements
Loan amounts from $150K to $3M+
No employment verification required

Income Estimator

Statement Type

Total Deposits Over Period ($)

Statement Period

Expense Factor

Qualifying Monthly Income$15,000

Est. Max Loan (43% DTI)$955,000

Gap Funding Program

Bridge the difference between what your primary lender funds and what you need to close. Speed and flexibility when a deal can't wait.

Bridge your down payment or closing gap
Short-term 6–12 month terms
Used alongside DSCR, hard money, or conventional
Can fund in days, not weeks
Flat fee or interest-only structures
Deals from $25K to $500K gap

Gap Funding Snapshot

Property Purchase Price ($)

Primary Loan Amount ($)

Your Available Cash ($)

Funding Gap Needed$30,000

StatusGap Fundable

Wholesale Partnership Program

If you're a wholesaler, your business runs on speed and buyer certainty. We provide same-day pre-approvals and a trusted funding network so your dispo never stalls.

Same-day buyer pre-approval letters
Proof of funds letters for cash buyers
Pre-qualify buyers before they write offers
Direct line — no hold music, no corporate queue
DSCR, fix & flip, and gap funding for your buyers
Commission referral partnerships available

Partner With Victoria

Send your buyer's info and we'll turn around a pre-approval or POF in hours.

Your Name

Buyer's Name

Deal Type

Deal Notes

Run Your Numbers — Talk to Victoria

About

Victoria De Koning

Wealth & Capital Advisor — Mpire Financial Group

NMLS #1033130 Licensed Nationwide Non-QM Specialist Investor Lending

I've spent my career at the intersection of real estate, business ownership, and capital. Like many of the clients I serve, I invest in scalable assets and operate businesses — so I think in terms of leverage, liquidity, and long-term value, not just transactions. That perspective shapes how I approach financing, because the right structure today determines what becomes possible tomorrow.

Through Mpire Financial, I work with real estate investors, self-employed business owners, and high-net-worth individuals who want financing aligned with broader wealth and tax strategies. These are transactions where lender selection, deal structure, and speed matter far more than simply quoting a rate. If you're looking for someone to just quote rates, there are many options. If you're looking for a Capital Partner — you're in the right place.

DSCR · BRRRR · Portfolio Lending · Fix & Flip

Bank Statement · Asset Depletion · HELOCs · Vacant Land

Commercial Lending · SBA Financing

VIP Elite Wholesale Program — In-House Financing

Licensed in 34 States · Orlando, FL

Mpire Financial Group NMLS #2108504 · Direct: (407) 538-6418

Work With Victoria Call Directly

Testimonials

What My Clients Say

Real stories from investors, homebuyers, and business owners I've helped close — across loan types and markets.

★★★★★

"Victoria closed my DSCR loan in 19 days when two other lenders had been stringing me along for 6 weeks. She knows exactly what underwriters need and she moves fast. I've since done three more loans through her."

Marcus R.

DSCR Loan — Tampa, FL

★★★★★

"As a first-time buyer I was overwhelmed by the process. Victoria explained everything in plain English, found me a better rate than my bank offered, and we closed in 24 days. Could not recommend her more."

Sofia L.

First-Time Home Buyer — Orlando, FL

★★★★★

"I'm self-employed and every bank turned me down. Victoria's bank statement program qualified me for more than I expected. No runaround, no fluff — just results."

David L.

Bank Statement Loan — Atlanta, GA

Current Rates

Rate Snapshot

Referential rates by loan type. Actual rates depend on credit score, LTV, property type, and lender. Contact Victoria for a personalized quote.

Conventional 30yr

6.75%

700+ FICO · 20% Down

FHA 30yr

6.25%

620+ FICO · 3.5% Down

VA 30yr

6.00%

Eligible Veterans · 0% Down

DSCR Investor

7.50%

700+ FICO · 1.0+ DSCR

Fix & Flip

9.50%

Up to 90% LTC · 12mo Term

Bank Statement

7.25%

700+ FICO · 12mo Statements

Rates shown are for illustration purposes only and are subject to change without notice. Actual rates are determined by credit profile, loan-to-value ratio, property type, and lender guidelines. These are not rate commitments. Contact Victoria for a personalized rate quote based on your specific scenario. NMLS #1033130.

Resources

Learn Before You Borrow

Straight-talk mortgage education for homebuyers and investors. No jargon, no sales pitch.

Investor Loans

What is a DSCR Loan and Is It Right for You?

Learn how Debt Service Coverage Ratio loans let investors qualify based on rental income instead of personal tax returns — and who qualifies.

Home Buying

FHA vs Conventional: Which Loan Should You Choose?

A side-by-side breakdown of FHA and conventional loans — down payment requirements, PMI, credit score minimums, and which is better for your situation.

Pre-Approval

How to Get Pre-Approved in 48 Hours (What Lenders Actually Need)

Speed up your pre-approval by preparing the right documents upfront. Here's the exact checklist Victoria uses with every new client.

FAQ

Common Questions

Straight answers about the mortgage process — no fluff.

Your bank has one set of products at one set of rates — and if your file doesn't fit their box, they say no. I work with 50+ lenders and shop your file across all of them. That means better rates, more creative solutions, and someone who's fighting for your deal instead of processing it. In most cases, the lender pays my fee — not you.

On most conventional, FHA, and VA loans, my broker fee is paid by the lender — so there's no out-of-pocket cost to you beyond standard closing costs. For certain investor or Non-QM products, fees vary by deal. I'll always be upfront about costs before you commit to anything.

Very often, yes. A denial from one lender doesn't mean you don't qualify — it means you didn't fit that lender's specific criteria. I work with Non-QM, bank statement, asset-based, and portfolio programs that banks don't offer. Tell me why you were turned down and I'll tell you honestly if I can find a path forward.

Pre-approvals in 24–48 hours. Most home loans close in 21–30 days. DSCR and investor loans can close in as little as 14–19 days depending on the deal. I've stepped in after another lender fell through and still closed on time. Speed comes from preparation — the moment you reach out, I start.

This is exactly who bank statement loans are built for. Instead of tax returns, I use 12–24 months of your bank deposits to calculate qualifying income. Many self-employed clients qualify for more than they expected — and without the frustration of justifying write-offs to a bank underwriter.

I'm licensed in 34 states with 1 additional pending. Whether your property is in Florida, Texas, Georgia, Arizona, the Carolinas, or elsewhere — there's a strong chance I can help. Reach out and I'll confirm availability for your state and loan type right away.

Fix & Flip

Fix & Flip Deal Analyzer

Run your deal numbers instantly. We use the 75% ARV rule used by most flip lenders — Purchase Price + Rehab must be 75% or less of After Repair Value.

75% ARV Rule Calculator

75% ARV Rule — Purchase + Rehab must be ≤ 75% of ARV

Purchase Price ($)

Rehab Estimate ($)

After Repair Value — ARV ($)

Fix & Flip Financing

Get Your Flip Funded

Fast closings, competitive rates, draw-based rehab funding. Submit your deal and get a commitment letter within 48 hours.

Apply for Flip Loan →

Insurance

Builder's Risk Quote

Standard homeowner's insurance won't cover your flip. Get a Builder's Risk (Course of Construction) quote — we'll connect you with our insurance partners.

Request Quote →

Turnkey Flip Operation

We Fund It. We Build It. We Sell It.

Most investors deal with four vendors to execute a flip — a lender, contractor, PM, and agent. Victoria's network covers all four. One team, one point of contact from acquisition to sold.

Talk to Victoria →

Self-Employed Borrowers

Bank Statement Income Calculator

No W-2? No problem. Use your business or personal bank statements to qualify. Calculate your estimated income right now.

Income Estimator

Enter your monthly deposit totals. We apply the standard expense factor used by most Non-QM lenders.

Expense Factor — Business Statements

Submit Your Statements

Ready for real numbers? Send your bank statements to Victoria's team. We'll calculate exact qualifying income and match you to the right lender — typically within 1 business day.

Fill in your info below

Name, contact, and statement type.

Email your statements

Full PDF statements — all pages — for each month.

We run the full analysis

We calculate income, run DTI, match lenders, and call you within 1 business day.

Your information is secure and will only be used to evaluate your loan scenario.

Gap Lending

Gap Funding Up to $100K

Don't lose a deal because of a funding shortfall. Our gap lending program bridges the difference between your primary loan and what you need to close.

Gap funding is short-term capital positioned behind your primary lender. Common uses include down payment gaps on fix & flip loans, assignment fees, and earnest money or closing cost shortfalls.

Maximum Gap Amount$100,000

Loan Term6 – 12 Months

Minimum Deal Size$100,000

CollateralInvestment Property

Decision Timeline24 – 48 Hours

StatesNationwide

Apply for Gap Funding

Tell us about your deal and we'll get back within 24 hours with a decision and term sheet.

By submitting this form, you consent to receive calls, texts, and emails from Victoria De Koning / Mpire Financial Group regarding your inquiry.

Wholesaler Hub

Your Deals. Funded Fast.

We are your lending partner for every deal you move. Get your buyers pre-approved same day and close faster than any other lender.

Faster Closings. More Deals Done.

We specialize in lending to the buyers you bring — DSCR, fix & flip, bridge, and cash-out. Submit a deal, get your buyer a pre-approval letter, and keep your pipeline moving.

Request Fast Approval →

⚡

Same-Day Pre-Approval Letters

For your investor buyers — DSCR & flip programs

📋

List Your Active Deals

Expose your dispo to our investor buyer network

💰

Gap Funding Available

Up to $100K to close the gap on your deal

Active Deal Board

+ Submit a Deal

Active wholesale deals from our network. Buyers: all deals can be financed same-week with our investor programs.

Market	Type	Price	ARV	Rehab Est.	Status	Action
Orlando, FL	SFR	$185,000	$310,000	$45,000	HOT	Get Info →
Tampa, FL	Duplex	$220,000	$390,000	$60,000	NEW	Get Info →
Atlanta, GA	SFR	$140,000	$240,000	$38,000	PENDING	Get Info →

Net Title Fee Sheet Calculator

Estimate seller net proceeds after closing costs, agent fees, and liens.

Contract Sale Price ($)

Wholesale / Assignment Fee ($)

Existing Liens / Mortgage ($)

Title & Closing Fees ($)

Back Taxes / HOA ($)

Other Deductions ($)

Your Path toHomeownership &Smart Investing

Start Your Application

Find the Right Loan for You

FHA Loan

VA Loan

Conventional Loan

Refinance

First-Time Buyer

DSCR Loan

Fix & Flip

Bank Statement

QM Loan Programs

What You'll Need

Closing Your Loan in 4 Simple Steps

Apply in Minutes

Get Pre-Approved

We Shop Your Rate

Close & Move In

Estimate Your Monthly Payment

Payment Estimator

Built for Real Estate Investors

DSCR Loan Program

DSCR Quick Analyzer

Fix & Flip Loan Program

Fix & Flip Analyzer (75% ARV Rule)

Bank Statement Loan Program

Income Estimator

Gap Funding Program

Gap Funding Snapshot

Wholesale Partnership Program

Partner With Victoria

Victoria De Koning

Book a Free Consultation

What My Clients Say

Rate Snapshot

Learn Before You Borrow

What is a DSCR Loan and Is It Right for You?

FHA vs Conventional: Which Loan Should You Choose?

How to Get Pre-Approved in 48 Hours (What Lenders Actually Need)

Common Questions

Licensed in 34 States

Fix & Flip Deal Analyzer

75% ARV Rule Calculator

Get Your Flip Funded

Builder's Risk Quote

We Fund It. We Build It. We Sell It.

Bank Statement Income Calculator

Income Estimator

Submit Your Statements

Fill in your info below

Email your statements

We run the full analysis

Gap Funding Up to $100K

Apply for Gap Funding

Your Deals. Funded Fast.

Faster Closings. More Deals Done.

Same-Day Pre-Approval Letters

List Your Active Deals

Gap Funding Available

Active Deal Board

Net Title Fee Sheet Calculator

Ready to Get Pre-Approved?

Builder's Risk Insurance Quote

Apply for a Flip Loan

Request Fast Approval

Your Path to
Homeownership &
Smart Investing