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ABOUT US

40 Years of Strength, Strategy & Trust 

For nearly four decades, Victoria Financial Corp has been dedicated to improving our clients’ financial well-being through competitive pricing, intelligent lending strategies, and exceptional service. Built primarily on referrals, we are proud to now serve the second generation of families who continue to place their trust in us. 

As a delegated mortgage banker, we underwrite, draw loan documents, and fund loans in-house. This operational control enables efficient closings, consistent underwriting, and highly competitive pricing through our relationships with top-tier lending institutions. To meet strict investor guidelines, the company maintains substantial corporate assets, reflecting our financial strength and long-term stability.

2. Low-Cost Purchase Financing 

In addition to our refinance programs, we offer purchase loan options designed to minimize upfront expenses for homebuyers. For eligible transactions, Victoria Financial Corp covers most lender-related fees, including underwriting, processing, administrative costs, appraisal, and credit report fees. Borrowers are typically responsible only for standard third-party expenses, such as escrow, title, recording, and prepaid items (including property taxes and insurance). This transparent and cost-effective approach helps clients preserve liquidity while facilitating a smoother and more affordable homebuying experience.

3. Competitive Pricing with Strategic Guidance 

While we are highly competitive in pricing, our true value lies in strategic financial guidance. We help clients evaluate the right loan structure, timing, and term based on market conditions and their long-term financial goals. Every recommendation is guided by one principle: to improve the client’s financial position.

4. Flexible Documentation (EZ Doc) & Asset-Based Loan Programs 

Victoria Financial Corp offers Flexible Documentation (EZ Doc) and asset-based loan programs designed to serve a wide range of borrowers, including self-employed individuals, retirees, investors, and clients with no traditional employment income. These programs are typically structured with lower loan-to-value (LTV) ratios to ensure prudent lending and alignment with investor guidelines. 

These loan options are available for both: 

  • Primary Residences
  • Rental/Investment Properties 

Clients may choose between: 

  • Cost Option: Standard closing costs are paid in exchange for a lower interest rate.
  • No Out-of-Pocket Cost Option: Closing costs are offset through lender credits in exchange for a slightly higher interest rate, helping preserve liquidity.

5. A Legacy of Trust 

With nearly 40 years of continuous operation, our reputation has been built on integrity, professionalism, and long-term relationships. The majority of our business is generated through referrals—a testament to the confidence our clients and partners place in us.

Our Mission 

To enhance our clients’ financial position through competitive pricing, innovative no-cost lending strategies, and thoughtful guidance—providing long-term stability and peace of mind.