Victor Salazar - Author & Mortgage Broker

Author · Mortgage Broker · NMLS #2052157

Victor Salazar

Founder of Kings of Lending · Division Manager & Loan Officer

He was a professional BMX athlete who performed with Cirque du Soleil. Today he is a licensed mortgage broker helping families and investors turn a mortgage from a debt into a wealth-building tool.

Talk to Victor — 15 Minutes (714) 276-6155
Victor Salazar, founder of Kings of Lending and author of The Wealth Builder's Mortgage Guide
4.9Google Rating
100+Families Guided
11States Licensed
1Published Book

The Long Way Round

From BMX pro to mortgage pro.

Victor Salazar did not arrive in lending the usual way. Before mortgages, he was a professional BMX rider — sponsored, competing internationally, and eventually performing with Cirque du Soleil, where a single mistake in front of a live audience is not an option. That career was built on three things: obsessive preparation, respect for fundamentals, and staying calm when the pressure is highest.

Those are, as it turns out, the same three things that decide whether a mortgage closes on time.

He brings that discipline to home financing: education before advice, clear guidance instead of pressure, and strategy instead of sales tactics. Every file gets studied properly against the market before a recommendation is made — because a number quoted on a phone call, before anyone has seen a document, is a guess wearing a suit.

Since founding Kings of Lending, Victor has guided more than a hundred families and investors through purchases, refinances and portfolio strategies, and holds a 4.9-star rating across more than sixty Google reviews. He is also the author of The Wealth Builder’s Mortgage Guide, written for the buyer who wants to understand the machinery rather than simply be handed a rate.

The Archive

The riding years.

Victor Salazar riding BMX professionally
Competing professionally
Victor Salazar performing with Cirque du Soleil
Performing with Cirque du Soleil
Victor Salazar performing a big-air dirt jump
Big air during his riding years
Newspaper feature on Victor Salazar
In print · photo by Drew A. Kelley
Victor Salazar riding a BMX freestyle demo in front of a crowd
Freestyle demo · big air over the crowd
Victor Salazar competing internationally on a BMX
Competing internationally

Six frames from the riding years

On Film

A pro dirt final.

Victor’s run in a professional BMX dirt final, finishing third. The same preparation and nerve now go into a loan file.

Dailymotion · Dirt Final Pro BMX

Featured In

Written about, before he was ever a broker.

Independent coverage of Victor’s athletic career. Tap any one below to watch or read it at the original source — each opens in a new tab.

The Washington PostRiding high on BMX bikes in Cirque du Soleil’s VoltaRead the article CBS 8 San DiegoSan Diego BMX rider takes center stage in a new Cirque du Soleil showWatch the news segment FATBMXSan Diego sessions with Victor SalazarRead the feature Cirque FascinationCast profile from his Cirque du Soleil yearsRead the profile VimeoPromise Land — a BMX film featuring VictorWatch the film AmazonVictor Salazar’s author pageBrowse his books

How He Works

Three things you can count on.

Education firstYou will understand why a structure is recommended before you are asked to sign anything. Questions are welcome, and there is no such thing as one that is too basic.
The work happens before the adviceYour file is studied against more than 150 lender programs before a recommendation is made — not guessed at on a first phone call.
Honest answers either wayIf the numbers do not work yet, you will be told plainly, along with what would need to change. That is a perfectly good outcome.
The Wealth Builder's Mortgage Guide by Victor Salazar

The Book

The Wealth Builder's Mortgage Guide

Simple steps to financial independence. Victor breaks the entire mortgage process into clear, actionable steps and shows readers how a mortgage, structured properly, becomes a tool for building wealth rather than a bill to survive.

All proceeds are donated to charities helping families in need of homes.

Read on Kindle Google Play Paperback Author Page

Who He Helps

Built for complicated situations.

Six situations Victor and the Kings of Lending team handle every week. If yours is complicated, that is usually a reason to call rather than a reason not to.

01First-Time BuyersGuided step by step, without ever being talked down to.
02Jumbo & LuxuryHigh-value purchases structured properly, into eight figures.
03Self-Employed & 1099Bank-statement and asset-based approvals other banks turn away.
04Investors & PortfoliosMultiple properties, DSCR and cash-flow strategies.
05ITIN & Foreign NationalsHomeownership without a Social Security number.
06Refinance & PMI RemovalLowering what you pay every single month.

Licensing & Credentials

Verifiable, in plain English.

Individual NMLSVictor Salazar — NMLS #2052157. You can look this up yourself on NMLS Consumer Access.
BrokerageKings of Lending, powered by E Mortgage Capital, Inc. — NMLS #1416824. Equal Housing Lender.
Where the team is licensedThe Kings of Lending team is licensed in 11 states.
Where E Mortgage Capital lends49 states — every state except New York.
RecognitionE Mortgage Capital, Inc. has been recognized by UWM as an Elite 100 partner and a Top 1% partner, and holds a BBB A+ accreditation. These awards belong to E Mortgage Capital, not to Kings of Lending individually.
Published authorThe Wealth Builder's Mortgage Guide — available on Amazon in Kindle and paperback.
4.9

Across 60+ Google Reviews

“
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.
RRyan S. · Google Review
“
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.
KKevin M. · Google Review
“
Victor was extremely patient, detailed and helpful with our first home purchase. He created us a plan and executed everything perfectly. He still follows up with us to see how we are doing.
VVictor O. · Google Review

Questions About Victor

The things people ask first.

Who is Victor Salazar?
Victor Salazar is a licensed mortgage broker, NMLS #2052157, and the founder of Kings of Lending, which operates under E Mortgage Capital, Inc. (NMLS #1416824). Before lending, he was a professional BMX athlete who performed with Cirque du Soleil. He is the author of The Wealth Builder's Mortgage Guide and holds a 4.9-star rating across more than sixty Google reviews.
What is Victor Salazar's NMLS number, and how do I verify it?
His individual NMLS number is 2052157. You can verify any licensed loan originator yourself, free of charge, through NMLS Consumer Access — the public registry maintained by state financial regulators. Searching his name or number will show his licences and their status.
Which states can Victor and his team work in?
The Kings of Lending team is licensed in 11 states. Through E Mortgage Capital, Inc., loans can be placed in 49 states — every state except New York. If you are unsure whether your state is covered, ask on the call and you will get a straight answer.
Is Victor Salazar really a published author?
Yes. The Wealth Builder's Mortgage Guide: Simple Steps to Financial Independence is available on Amazon in both Kindle and paperback editions. All proceeds are donated to charities helping families in need of homes.
Does he work with self-employed buyers or ITIN borrowers?
Yes, and these are among the situations he handles most. Bank-statement and asset-based programs qualify self-employed borrowers on deposits or assets rather than tax returns. ITIN mortgage programs and financing for foreign nationals make homeownership possible without a Social Security number. Every situation is reviewed individually against available programs and eligibility guidelines.
What actually happens on the first call?
Fifteen minutes, no credit check, no obligation. You talk about your goals, your timeline and your situation, and Victor listens. The analysis happens afterwards, against the full market, and you get specific numbers back rather than a guess made live on the phone.

Begin

Talk to Victor directly.

Fifteen minutes. No credit check. No pressure — just a clear plan.

Schedule Your 15 Minutes
Prefer to speak now? Call or text (714) 276-6155

Kings of Lending · Victor Salazar, NMLS #2052157 · Powered by E Mortgage Capital, Inc., NMLS #1416824 · Equal Housing Lender
The Kings of Lending team is licensed in 11 states. E Mortgage Capital, Inc. lends in 49 states — every state except New York.
For information purposes only. This is not a commitment to lend or extend credit. All loans are subject to credit approval.