Licensed mortgage help · Free conversation
Real answers from a real loan officer. Before you apply, let’s talk about what’s possible.
4.9 from 60+ Google reviews
Every financial situation is unique. Skip the automated calculators and generic online forms. Speak directly with founder Victor Salazar (NMLS #2052157) for an honest review of your options, with no credit check and no obligation.
Licensed Mortgage Help In: AZ, CA, CO, FL, IL, IN, IA, NV, NJ, TX & VA
⚡ Real-time replies: Victor or an active member of our team typically texts back within 5–15 minutes during business hours.
Victor Salazar · Founder, Kings of Lending
Why people call Victor
A second opinion from a real person.
Turned down by a bank?
If a bank or a strict guideline said no, Victor looks at the bigger picture and other lenders’ programs to explore other paths.
Self-employed or complex income?
Business owners, self-employed and non-traditional earners get a careful, detailed review of how their income can be documented.
Investing in real estate?
Victor helps you look at investment property options, including programs that focus mainly on the property’s rental income.
Not ready to apply yet?
Just researching or buying later? Get a clear plan of what to prepare before anyone pulls your credit.
Client reviews
4.9 across 60+ Google reviews.
★★★★★“Every step of the process they helped me understand what was needed and helped keep me on track. It was honestly the fastest and easiest closing process I have ever experienced.”Kevin M. · Google review
★★★★★“Victor and his team provided a phenomenal experience throughout the process of securing a comfortable loan and ultimately closing escrow on a new home in less than 3 weeks.”Ryan S. · Google review
★★★★★“Victor was finally the one who helped me obtain a loan for my investment property. Prior to meeting Victor, I spoke to a few mortgage brokers but couldn't find one to qualify me… Victor is very knowledgeable, helpful, and honest.”Ilona S. · Google review
Clients on Google often mention: early closing · smooth loan process · responsive team · loan options
Read all reviews on GoogleIndividual results vary. Reviews reflect each client's own experience.
Not sure where to start? Start with a conversation.
Buying, refinancing, or exploring your options? Get clear answers before deciding your next step.
What happens during my free consultation?
You’ll talk with Victor about your goals, your situation, and any questions you have. He’ll help you understand potential loan options and what your next steps could look like—including what to work on if you’re not ready yet.
Is it really free, with no obligation?
Yes. Your consultation is free, and you’re under no obligation to apply. It’s a chance to get answers and decide whether moving forward makes sense for you.
Will the consultation affect my credit score?
No. Booking a consultation or speaking with Victor does not require a credit check. If you decide to move forward with an application, he’ll explain any credit review before proceeding.
My bank denied me. Is it worth getting a second opinion?
Yes—a denial from one lender doesn’t necessarily mean you’re out of options. Different lenders have different requirements. Victor can review why you were denied and explore whether another program could fit. Approval isn’t guaranteed, but you’ll get an honest assessment.
Can you help if I’m self-employed or have significant tax write-offs?
There may be options. Depending on your circumstances, bank-statement, 1099, and other loan programs may offer alternative ways to document income. Victor can help you understand what may fit your situation.
Can you help me finance an investment property?
Yes. Options may include DSCR loans, which focus primarily on the property’s rental income rather than your personal income. Credit, down payment, and property requirements still apply.
Can I book if I’m just researching or buying later?
Absolutely. You don’t need a property picked out or an immediate timeline. A conversation can help you understand what to prepare before you’re ready to buy.
What should I have ready?
Start with your questions and a general idea of your goals. If you know your price range, estimated credit score, or down payment budget, that’s helpful—but you don’t need every answer to reach out.
What types of mortgages do you offer?
We help buyers, homeowners, and investors explore conventional, FHA, VA, jumbo, DSCR, bank-statement, 1099, and other non-QM options, along with refinancing and cash-out refinancing. Available options depend on your qualifications, property, state, and lender requirements.
Who will I be speaking with?
Victor Salazar (NMLS #2052157), founder and leader of Kings of Lending. Powered by E Mortgage Capital, Inc. (NMLS #1416824), our team helps you compare mortgage options and understand the process.
Which states do you serve?
Our team serves Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas, and Virginia. Let us know where you’re buying or refinancing so we can confirm available options.
Let’s talk about what’s possible.
Get answers to your questions and a clear next step.
Free consultation. No obligation. No credit check to talk.