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About Us

VEMA MORTGAGE (NMLS # 1019911) is a top-rated mortgage broker providing exceptional service and competitive rates to help individuals and families realize the dream of home ownership. With personalized guidance and a variety of mortgage options, VEMA simplifies the lending process. Ranked among the top 20 UWM brokers nationwide, VEMA has the expertise to find each customer the right financing solution.

Our Services

What We Do

VEMA offers competitive mortgage rates and personalized customer service as well as a variety of flexible mortgage packages for customers with diverse backgrounds and needs. We are ranked in the TOP 22 Brokers (for UWM) nationwide.

We are licensed in the following states:

AR, AZ, CA, CO, CT, DE, FL, GA, IL, IN, MD, MA, MI, MN, NC, NJ, OH, OK, OR, PA, SC, TN, TX, VA, & WA

21+

Years of Experience

11,200+

Satisfied Customers

25

States Licensed

2094+

5 Star Reviews

Why Choose Vema Mortgage

Licensed in 25 states

We work with 40+ wholesale lenders, giving us access to a wide range of rates and loan programs to help match you with an option that fits your needs.

Great Team

Our team has diverse expertise across agencies for balanced service.

Best Service

We have fast response times and exceptional technical support.

Easy Onboarding

We focus on clients' objectives to streamline onboarding.

Transparent Process

We follow clear and transparent processes to build trust.

Trustworthy Partners

Our thousands of satisfied customers validate our high-quality, trustworthy service.

Customer Reviews

5/5 Star

1138

reviews

Posted on Google Google
bhavuk chawla profile picture
bhavuk chawla
16 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
⭐⭐⭐⭐⭐ I had an exceptional experience working with Vipul for my home loan. From our very first conversation, Vipul was professional, knowledgeable, and genuinely committed to helping me find the best financing option for my needs. Throughout the entire process, Vipul kept me informed, answered every question promptly, and made everything simple to understand. His attention to detail, transparency, and dedication ensured that my loan closed on time and without any surprises. Buying a home can be stressful, but Vipul made the experience smooth and hassle-free. I truly appreciated his responsiveness, patience, and willingness to go the extra mile to make sure everything went perfectly. I highly recommend Vipul to anyone looking for a reliable, trustworthy, and experienced home loan lender. If you’re looking for someone who genuinely cares about their clients and delivers outstanding service, Vipul is the person to call!
Posted on Google Google
Darshit Patel profile picture
Darshit Patel
15 July 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Vipul was with me in every step of the process, offering detailed guidance and making sure I understood all my options. He made the entire process feel simple and manageable. He’s truly awesome—professional, supportive, and incredibly easy to work with. I’m genuinely grateful for all his help.
Posted on Google Google
Arun Manohar profile picture
Arun Manohar
27 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Had Vipul refinance my current mortgage. Was a breeze to work with him. Will choose him again for our future endeavours.
Posted on Google Google
hamdah Awan profile picture
hamdah Awan
8 June 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I worked closely with Sebastian and he was great! Answered all my questions and was always available when I contacted him
Posted on Google Google
Stephen Raj profile picture
Stephen Raj
5 May 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Great working with Vipul.
Posted on Google Google
Pakkirisamy S profile picture
Pakkirisamy S
4 May 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Sebastian was very helpful, clearly explained the process, and made sure everything was completed smoothly.
Posted on Google Google
Kalyan Kancharla profile picture
Kalyan Kancharla
30 April 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
We recently completed the refinance of our home, and working with Vipul Hapani was a great experience from start to finish. He was professional, responsive, and guided us clearly through every step of the process. Vipul was always available to answer our questions, kept us updated throughout, and made the entire refinancing process smooth and stress-free. His knowledge and attention to detail helped ensure a successful and timely closing. We truly appreciate his support and would highly recommend Vipul Hapani to anyone looking for a reliable and trustworthy mortgage broker.
Posted on Google Google
Vishal Khoslah profile picture
Vishal Khoslah
29 April 2026
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Vipul is an exceptional mortgage professional who truly went above and beyond to make our home purchase a reality. From our first conversation, he was transparent, deeply knowledgeable, and clearly committed to finding the best path forward for us. What stood out most was Vipul’s dedication during the underwriting process. Even when things became complex or the timeline felt tight, he remained a steady, proactive advocate for us. He handled every hurdle with urgency and precision, working tirelessly behind the scenes to ensure our loan stayed on track for an on-time closing. His communication was top-notch—we were kept informed every step of the way, which provided immense peace of mind during a high-pressure time. If you’re looking for a broker who is highly skilled, remarkably dedicated, and willing to put in the extra effort for his clients, we cannot recommend Vipul highly enough!

Zillow Reviews

5/5 Star

778

reviews

Our Happy Customers

Am I Ready To Buy?

When considering homeownership for the first time, it’s important to determine if buying makes both financial and practical sense for your situation. Consider the pros and cons of both renting and buying, and weigh them accordingly.