Let's Celebrate
Our Shared
Success
50+
Partners
More than 50 partnering realtors
10+
Years
10+ Years in the mortgage industry
5
States
Operating in 5 states & counting
30
Mins
Responding to requests within 30 minutes
Mortgage Lender That Helps You Win
Voyage Home Loans is a leading local mortgage lender in the Wisconsin and Carolina markets. We offer a full range of loan programs with industry leading customer support.
Partner with Voyage Home Loans for winning technology, processes, and solutions that move your business forward.
Together, we Go Further!
Benefits to grow your business
Streamlined Loan Process
Our streamlined loan process provides our partners with industry-leading turn times, ensuring you’re always ahead of the competition in the market.
- Close in little as 10 Days
- 24 Hour Underwriting
- Unbeatable Communication
"Can-Do" Attitude & Expertise
Our loan officers bring a “can do” attitude and expertise to every situation, ensuring we’re able to get the best solution for your client
- Pre-Approved OR Plan
- Credit Help Resources
- Homeownership For All Initiative
Loan Solutions That Grow
Our suite of loan solutions grows to meet the changing needs of customers, ensuring we always have a product that fits their unique needs.
- Full Suite of Loan Products
- Creative Financing Solutions
- Same Day Pre-Approvals
Partner Solutions
We offer multiple solutions to help grow our partners business. From marketing, co-sponsored events, lead gen, and more. We grow together.
- Co-Sponsored Events
- Marketing & Brand Resources
- Lead Gen & Partnership
omni-channel communication
At the heart of every memorable transaction is good communication.
We pride ourselves with industry leading communication and have built a omni-channel communication platform that syncs call, sms, and email into one hub that is monitored religiously by team.This ensures nothing get’s missed, and keeps our response times faster than you have ever experienced.
A "Voyagers" journey
1. 15-Minute Phone consultation
Our first point of contact with a client consists of a 15 minute phone call. On this call we are getting to know each other, identifying customer goals, and in most cases taking a mortgage application over the phone.
We try to pull credit while we are on this initial call to get immediate feedback on the confidence of the lead.
2. PRE-LAUNCH CALL
Once the 15 minute call is complete, we send the customer away with a list of documents to gather for us (usually paystubs, W2’s, & a drivers license), and then we schedule our Pre-Launch Call.
The Pre-Launch call is a 30-45 minute zoom call where we create a customized presentation for each customer that walks them through the entire home buying process, setting expectations, reviewing closing costs, and coming up with a plan.
By the end of the this call, the customer is either Pre-Approved and we send a letter to them and their realtor, or we come up with a game plan to reach Pre-Approval status.
3. ACCEPTED OFFER CALL
Once we have an accepted offer, we set a 15 minute phone call to congratulate, as well as request any updated documents we need, and once again setting exceptions of the loan process on the front end.
our Programs 🚀
Conventional Standard
An affordable financing option with standard requirements
- Loan amounts up to $806,500
- DTI up to 50%
- Minimum down payment 3%
Fannie Mae HomeReady
The perfect fit for clients with limited down payment capabilities
- Loan amounts up to $806,500
- DTI up to 50%
- Primary Residence
Freddie Mac Home Possible
An affordable mortgage option for low-to-moderate-income individuals
- Loan amounts up to $806,500
- DTI up to 50%
- Primary Residence
Conventional High Balance
Qualify homebuyers seeking properties exceeding the standard limits
- Loan amounts up to $1,209,750
- DTI up to 50%
- Primary, Secondary homes & investments
VA Standard
A loan solution for veterans, active-duty service members, and their eligible surviving spouses
- Loan amounts up to $2,000,000
- Gift Funds are allowed
- No down payment required
VA IRRRL
A streamlined refinance option for veterans and active-duty service members
- Loan amounts up to $1.5 million
- No appraisal or credit underwriting required
- Primary residence, investments, second home
FHA Standard
Qualify home buyers with limited down payment capabilities
- Loan amounts up to $524,225
- DTI up to 55%
- Little as 3.5% down on 1-4 Units
FHA High Balance
A mortgage option allowing for larger loan amounts in high-cost areas
- Loan amounts up to $1,209,750
- DTI up to 50%
- Primary, Secondary homes
DSCR
An investment property loan that closes in an LLC, and quick.
- Credit for DSCR > 1.25
- No income no employment
- Short term rentals up to 80% CLTV
12/24 Month Bank Statement
A perfect fit for self-employed clients
- Personal, business, or combined bank statements
- Min. 3 months of reserves
- Flexible down payment options
1099 Only
An ideal loan for sole proprietors or contract individuals
- 1099's for the last 1 year
- 1-year history with the same employer
- Gift funds allowed
Asset Utilization
An ideal solution for borrowers with liquid assets: retirees, investors, and the self-employed
- Qualifying assets / 60 months
- Min 3 months of reserves
- Loan amounts up to $4 million
Prime Jumbo
A great fit for borrowers in search of large home loans for purchase or investment
- Loan amounts up to $3.5 million
- DTI up to 50%
- Cash out without limitations
Second Mortgage
A solution to secure additional funding with existing equity
- Loan amounts up to $500,000
- DTI up to 50%
- Owner-occupied, second home, or investment