Experience Matters.  Our VMB Originators have on average over 20 years of individual experience.

van-tage (n);  A position giving a strategic advantage, commanding perspective, or comprehensive view

fi·du·ci·ar·y;  A fiduciary is a person or organization that acts on behalf of another person or persons, putting their clients’ interest ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other’s best interests.

in·de·pend·ent;  An independent company is not subject to control by others and not affiliated with a larger controlling unit.  Free from outside control and privately owned.  The inability to be manipulated or influenced by special interests, such as a Non-Fiduciary that sells or are captive to one lender or credit lines, which removes transparency and increases costs to the consumer in the primary mortgage market.

com·pe·ti·tion;  An activity done by an independent company representing the consumer as a fiduciary, holding product and service providers accountable and requiring competition.  In all cases of competition, costs are reduced and performance is increased when compared to the alternative captive person or company.