Close More Loans with Private Money That Doesn’t Require Overlays
Bridge, DSCR, fix-and-flip + bundled homeowners, flood, builders risk & landlord insurance. Approvals in 24–48 hours.
1–2% broker fees paid at closing
No overlays — common sense underwriting
Bundle loan + insurance, save clients 15%
Dedicated broker portal + same-day quotes
Why Mortgage Pros Trust Vaultline
No Overlays
We use common sense, not rigid guidelines.
$500M+ Funded
Over 1,200 deals closed nationwide.
A+ Rated Carriers
Insurance backed by Lloyd’s, Travelers, Amwins.
At Vaultline, we’re not just a lender or an agency — we’re your strategic partner. Our mission is to remove friction from real estate investing. One application. One team. One closing.
Private Money Loan Products
Residential Bridge
Short-term capital for fix-and-flip, BRRRR, and renovation projects
Up to 90% LTC / 75% LTV
$75k – $3MM
Interest-only payments
6–24 month terms
No personal income verification
Close in 7 days
Commercial Bridge
Fast private money for acquisitions, refis, and value-add CRE
Up to 75% LTV
$500k – $20MM
Interest-only
6–36 months
All property types
Fast close (7–10 days)
Insurance Products
How It Works: 4 Steps to Funding
Submit Deal
Fill form or upload exec summary
Get Quote
Loan + insurance terms in 24 hrs
Sign & Fund
E-sign docs. Funds in 7–10 days
Close & Earn
You get paid. Client gets funded.
What Our Partners Say
"Vaultline funded my $1.2M flip in 8 days. Insurance was bundled — saved my client $3,200."
Sarah M., Loan Officer
"Finally a lender that doesn’t require 3 years of tax returns. DSCR loan closed in 14 days."
David R., Broker
"Builders risk + bridge loan in one app. No back-and-forth. Highly recommend."
Lisa K., Investor
Why Choose Vaultline?
No Overlays
Common-sense underwriting
24–48 Hr Approvals
No waiting on committees
Bundle & Save 15%
One application, dual products
Broker Portal
Track deals live
98% Close Rate
We fund what others won’t
4.9/5 Rating
200+ broker reviews
Frequently Asked Questions
Do you require tax returns?
No. Most deals use bank statements, rent rolls, or appraisals only.
How fast can I close?
Bridge loans: 7–10 days. Insurance: same-day bind. Full bundle: 10–14 days.
Can I bundle loan + insurance?
Yes. Save up to 15% and streamline closing. One application.
What states do you lend in?
Licensed in CA, TX, FL, AZ, NV, CO, GA, IL, NJ, WA + 12 more. Growing weekly.
Do you pay broker fees?
Yes. 1–2% on loans, $100–$300 flat on insurance. Paid at closing.
Is E&O or Cyber available?
Not yet. We partner with top carriers for referrals.
Get Your Custom Quote in 60 Seconds
One form. Full loan + insurance proposal in 24 hrs.
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