VegaFi™ SmartMatch is a proprietary algorithm that routes your scenario across a curated network of 50+ wholesale lenders — without pulling your credit, without pressure, and without the bank markup.
Traditional brokers shop the same handful of relationships. SmartMatch evaluates your loan against every program in our network simultaneously — pricing, overlays, DTI tolerance, asset depletion rules, all of it — and surfaces the lenders most likely to close your file at the best terms.
Illustrative only. Actual rates and matches vary by scenario and market conditions.
First home, fifth home, or the dream house you almost talked yourself out of. We price it across every lender that fits your file.
Get matched ↗Lower your rate, shorten your term, or pull equity. Our algorithm compares every option against your current loan in seconds.
Run my refi ↗DSCR, fix-and-flip, portfolio loans — connected to specialty lenders who actually understand your strategy and your spreadsheet.
Investor desk ↗Government-backed programs with low down payments. We find the lender with the best execution for your service or situation.
Eligibility ↗Above conforming limits. Our network includes balance-sheet lenders and private banks that compete hard for high-balance files.
Jumbo desk ↗Self-employed, 1099, asset-rich, or non-traditional income? We specialize in alternative-doc lenders that say yes when banks say no.
See programs ↗No commitment. No cost. No credit impact until you choose a lender.
Answer a few questions about the property, your finances, and what you're trying to do. About sixty seconds, no documents.
Our algorithm prices your scenario across every lender that's a fit and ranks the options on rate, fees, and likelihood to close.
A licensed loan officer takes the handoff and runs the file to closing — real human, real phone number, real accountability.
My bank quoted me 7.25%. VegaFi matched me to a lender at 6.50% in under a minute. That's $214 a month back in my pocket for the next three decades.
As a self-employed borrower I'd been turned down twice. VegaFi found me a 12-month bank statement program with a competitive rate and a human who actually called me back.
We refinanced four rental doors through VegaFi and closed in 21 days flat. Smoother than anything I'd done with my retail bank — and the spread was meaningful.
Get matched in 60 seconds. No commitment. No cost. No credit impact until you choose a lender.
NMLS #2493744 · VEGA FINANCING, LLC · PROUDLY SERVING CALIFORNIA · EQUAL HOUSING OPPORTUNITY