Business Details
27 Years
experience
Your Trusted Mortgage Broker in Lincoln, NE
Established in 1999, Vault Funding Group has built a reputation as a trusted residential and commercial mortgage lending firm. Our team of professional loan consultants combines decades of industry experience with a commitment to personalized service, ensuring clients receive tailored loan programs that meet unique financial needs. As a certified member of the National Mortgage Licensing System (NMLS #1151), National Association of Mortgage Brokers (NAMB), and National Mortgage Institute (NMI), we adhere to the highest standards of professionalism and ethics. Our strategic partnerships with local and national lenders provide access to a diverse range of mortgage products, including conventional, FHA, VA, and SBA loans, as well as specialized programs for debt consolidation and home equity. With offices in Lincoln, Nebraska; Atlanta, Georgia; and Las Vegas, Nevada, we serve clients nationwide, leveraging both local market insights and national lending resources.Our mission emphasizes transparency, integrity, and client-centric service, ensuring every transaction is conducted with clarity and respect. We prioritize client education, offering clear explanations of loan options and flexible scheduling to accommodate busy lifestyles. Our expansion into multiple states has broadened our product portfolio, enabling us to shop for competitive rates and terms that standard banks often cannot match. By maintaining strong relationships with title companies, appraisal firms, and realtors, we streamline the mortgage process to deliver efficient, stress-free experiences. Our dedication to continuous improvement ensures clients benefit from innovative tools like UClose, which expedites loan closings while maintaining rigorous quality standards.
Services
Residential Mortgage Lending
Commercial Mortgage Lending
Refinance Services
Home Equity Lines of Credit
Debt Consolidation Loans
Details
- Year established: 1999
Highlights and features
- We offer 25+ years of mortgage industry expertise with personalized loan programs.
- Our access to multiple lenders ensures competitive rates and diverse loan options.
- We provide nationwide service with localized market knowledge and support.
- Our certified professionals prioritize transparency and ethical lending practices.
- We streamline transactions through partnerships with trusted title, appraisal, and real estate professionals.
Associations and certifications
- NMLS
- NAMB
- NMI
Services
Residential Mortgage Lending
We specialize in residential mortgage solutions for primary homes, second properties, and investment properties. Our services include purchase loans, refinancing, and jumbo loans tailored to individual financial profiles. Clients benefit from access to conventional fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA, and VA loans, ensuring options for diverse credit scenarios.
Commercial Mortgage Lending
Our commercial lending services cater to multi-use properties, residential complexes, and income-generating commercial assets. We offer purchase and refinance options for businesses seeking capital for expansion or investment. With expertise in SBA loans and commercial income-bearing properties, we provide customized financing solutions aligned with business objectives.
Debt Consolidation Loans
We help clients simplify finances by consolidating high-interest debts into a single, manageable mortgage payment. This service is ideal for homeowners seeking to reduce monthly obligations through lower interest rates. Our team evaluates credit profiles to recommend optimal consolidation strategies, including cash-out refinancing and home equity lines of credit.
Home Equity Lines of Credit
Our HELOC products provide flexible access to home equity for renovations, education expenses, or emergency funds. Clients can draw funds over a 5-year period with interest-only payment options. We offer competitive rates and personalized terms, ensuring homeowners maximize their equity while maintaining financial stability.
Refinance Services
We facilitate rate-and-term refinancing to reduce monthly payments or shorten loan terms. Our cash-out refinancing option allows homeowners to access equity for debt consolidation or major purchases. Clients benefit from streamlined processes and expert guidance to secure favorable rates aligned with current market conditions.
People
James P. McCown
President & CEO
With over 25 years in the mortgage industry, James McCown leads Vault Funding Group as President & CEO. A Lincoln, NE native, he prioritizes ethical lending practices and client education. His leadership emphasizes personalized service and innovative solutions for residential and commercial mortgage needs.
Questions
What mortgage services does Vault Funding Group offer?
We provide residential and commercial mortgages, refinancing, HELOCs, debt consolidation loans, and SBA loans. Our services cater to primary homes, investment properties, and business real estate.
How does Vault Funding Group differ from traditional banks?
We offer access to multiple lenders, personalized loan programs, and specialized solutions for unique financial situations. Our nationwide network and local market expertise provide competitive rates unavailable through standard banks.
Can I apply for a mortgage online?
Yes, we offer digital tools like UClose for streamlined applications and rapid loan closings. Our team provides full support throughout the online process to ensure clarity and efficiency.
What areas do you serve?
We operate nationwide with offices in Lincoln, NE; Atlanta, GA; and Las Vegas, NV. Our services extend to all 50 states through local and national lending partnerships.
Do you offer government-backed loans?
Yes, we provide FHA, VA, and SBA loans. These programs offer favorable terms for eligible borrowers, including low down payments and competitive interest rates.
