Villa Home Loans

What Villa Home Loans does

Villa Home Loans is a direct-to-consumer residential mortgage lender operating as a division of NQM Funding, LLC (NMLS# 75597), founded around 2021 and headquartered in Boca Raton, Florida with a regional branch in Charlotte, North Carolina. The company originates conventional purchase and refinance mortgages alongside two specialized programs: self-employed/1099 contractor loans that qualify borrowers via bank statements, 1099s, or P&L statements (up to $4 million, 90% LTV, up to $1 million cash-out), and DSCR cash flow investor loans that underwrite based on rental property cash flow without requiring personal income documentation, with closings as fast as 5 days. The company holds mortgage lending licenses across 45+ US states, providing a near-nationwide addressable footprint.

The business runs a hybrid digital and human-service go-to-market: a website-hosted custom rate quote tool and 60-second inquiry form (neither requiring an SSN for initial contact) feed into phone-based, state-licensed loan officers who commit to responding within two business hours. Distribution is exclusively direct-to-consumer; no broker or third-party originator channel is used. Technology is described as a standard mortgage lending platform without proprietary AI, ML, or data-asset differentiation. Marketing relies on the company website, organic search, and phone-based outreach rather than paid acquisition or social channels.

Revenue is generated through transaction-fee streams — primarily mortgage origination fees charged at closing and the interest-rate spread between borrower rates and the cost of funds — with additional volume coming from specialized program fees on self-employed and DSCR products. The company is privately held with 11-50 employees, no disclosed funding history, no public revenue figures, and no M&A activity recorded; leadership is anchored by Executive Vice President Eddie Brown.

Name

Villa Home Loans

Legal name

NQM Funding, LLC

Website

https://villahomeloans.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Villa Home Loans is a direct-to-consumer residential mortgage lender offering conventional, self-employed/1099, and DSCR investor cash flow loans across 45+ US states as a division of NQM Funding, LLC.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Real Estate Credit (522292)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro industry

PRIMARYFSALAAAF

Cash-Out Refinance Origination

Financial & Insurance/Mortgage & Housing Finance/Residential Mortgage Origination (Retail & Consumer Direct)

Keywords

• Residential mortgage lending
• Conventional home loans
• Self-employed mortgages
• DSCR investor loans
• Mortgage refinancing

Headquarters

HQ city

Charlotte

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Origination Fees: One-time fees charged at loan closing for originating mortgage loans, typically a percentage of the loan amount or a flat fee.
2. Interest Rate Spread: Revenue earned through the spread between the interest rate charged to borrowers and the cost of funds. This is the primary revenue driver for mortgage lenders.
3. Self-Employed Loan Programs: Specialized mortgage products for self-employed borrowers using bank statements, 1099s, or P&L statements for income qualification. Loan amounts up to $4 million with up to 90% LTV financing.
4. DSCR/Investor Cash Flow Loans: No-income-documentation investment property loans based on rental property cash flow. Revenue generated from loan origination and servicing.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Villa Home Loans originates residential mortgage loans for purchase and refinance transactions through three primary programs: Conventional Loans for standard homebuyers and homeowners, Self-Employed Loans that qualify 1099 contractors and self-employed individuals using bank statements, 1099s, or P&L statements (up to $4 million, 90% LTV), and DSCR Cash Flow Loans for real estate investors based on rental property cash flow without personal income documentation. The company combines a digital self-service platform (online quote builder, 60-second inquiry form) with personalized support from state-licensed loan officers and operates under NQM Funding, LLC (NMLS# 75597).

Product overview

Villa Home Loans by NQM Funding, LLC is a mortgage lending company offering a portfolio of loan products. The core offerings include Conventional Loans for standard home purchases and refinances, Self Employed Loans designed for 1099 contractors and self-employed borrowers using bank statement or 1099 income verification (up to $4 million, 90% LTV), and DSCR Cash Flow Loans for real estate investors that base qualification on rental property cash flow rather than personal income (up to 85% LTV, 5-day closings). The company also provides a Custom Rate Quote Tool for online quote generation. All products are supported by licensed loan officers and a high-tech, high-touch service model.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Fast Closings - as little as 5 days once appraisal is in hand (DSCR loans)
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• NewRez (Rithm Capital): Retail and wholesale mortgage lender with a meaningful non-QM / non-conforming product set (including investor cash flow loans), competing for the same self-employed and investor borrower segments.
• PRMG (Paramount Residential Mortgage Group): National retail and wholesale mortgage lender offering a broad product menu including non-QM options for self-employed borrowers and investors.
• loanDepot: Direct-to-consumer mortgage lender offering conventional and non-QM products online and via licensed loan officers; comparable GTM motion and product breadth.
• Caliber Home Loans: Retail and wholesale mortgage lender with a non-QM product suite including bank-statement and investor programs; competes for similar borrower and investor profiles.
• Better.com: Digital-first direct-to-consumer mortgage lender built around an online quote/application funnel and licensed loan officers; same high-tech + high-touch hybrid model as Villa Home Loans.
• Angel Oak Mortgage Solutions: Non-QM mortgage lender specializing in bank-statement, DSCR investor, and alternative-income products; directly comparable to Villa Home Loans' self-employed and DSCR offerings.
• Nations Direct Mortgage: Non-QM-focused mortgage lender with bank-statement and DSCR investor loan programs, comparable to Villa Home Loans' specialty product positioning.

Broad incumbents

• Rocket Mortgage: Largest US direct-to-consumer mortgage lender; competes across the full conventional and government-insured spectrum and dwarfs Villa Home Loans on volume, brand, and pricing power.
• United Wholesale Mortgage (UWM): Largest US wholesale mortgage lender; an established incumbent operating at scale across conventional and non-QM products, serving as a benchmark for industry pricing and capacity.
• SoFi: Digital consumer finance platform that includes a mortgage product alongside lending and banking; competes in the online direct-to-consumer mortgage funnel with a broader brand and balance sheet.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/villahomeloansdotcom
• LinkedInlinkedin.com/company/villa-home-loans

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Villa Home Loans