About — Velocity Home Loans
Our story

Built by people tired of slow closings.

We spent a decade inside big lenders watching great buyers lose houses to paperwork. So we rebuilt the mortgage from scratch — around speed, honesty, and actual human beings.

Why Velocity exists

The mortgage wasn't broken. The process was.

In 2019, our founder watched a first-time buyer lose her dream home because a big-bank underwriter took 47 days to review a file that should have taken 4. The seller walked. The buyer cried. The bank shrugged.

That week, Velocity started as a question: what if a lender underwrote your file first — before you ever made an offer — so closing was the easy part?

Five years and $1.2 billion later, that's still the whole playbook. Underwrite early. Communicate daily. Close fast. It turns out speed isn't magic — it's just refusing to let files sit.

What we stand for

Four values. No posters on the wall.

These aren't slogans. They're how files get handled here, every single day.

Speed

Every day your file sits is a day you could lose the house. We measure everything in hours, not weeks.

Transparency

You see your rate, your fees, and your file status in plain numbers. If something changes, you hear it from us first.

Certainty

We underwrite upfront so a pre-approval from us actually means something. When we say clear to close, it closes.

Human help

Software handles the paperwork. People handle you. One loan officer, one phone number, start to finish.

The road so far

Five years, moving fast

2019

Founded in a spare bedroom

Two originators, one underwriter, and a promise: no file waits more than 24 hours for a human decision.

2021

$100M funded, 21-day average close

Word spread through real estate agents first. Fast closings win bidding wars, and agents remember who delivers.

2023

Upfront underwriting for every file

We flipped the process: full underwrite before house-hunting. Average close time dropped to 16 days.

2025

$1.2B funded, 14-day average close

2,400+ families in, the mission hasn't changed. Every file, every day, moving forward.

The team

The people behind the speed

Small team, senior people, zero hand-offs. When you call, you get someone who can actually move your file.

Maya Chen, Founder and Lead Originator

Maya Chen

Founder & Lead Originator
NMLS #000000
Derek Alvarez, Head of Underwriting

Derek Alvarez

Head of Underwriting
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Jordan Blake, Senior Loan Officer

Jordan Blake

Senior Loan Officer
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Sam Whitfield, Closing Operations Lead

Sam Whitfield

Closing Operations Lead
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Work with us

Meet your loan officer today

Apply in five minutes and you'll hear from a real person — usually within the hour.

Apply now →
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