Lj Melody

Rick Kirschenbaum, operating under Vintage Lending, serves as a dedicated mortgage broker focused on connecting borrowers with optimal loan solutions. Based in Salt Lake City, Utah, Vintage Lending is licensed across a broad spectrum of states including Idaho, California, Florida, Ohio, Arizona, Texas, and Washington, in addition to its home state of Utah. The company prides itself on leveraging its network of multiple wholesale lenders to shop for the most favorable terms available, aiming to provide competitive options that may not be accessible through direct bank channels.

Vintage Lending offers a comprehensive suite of home loan products designed to meet diverse borrower needs, including conventional, FHA, VA, USDA, and jumbo loans, alongside specialized offerings such as Foreign National Loans, Doctors Mortgage Loans, and Reverse Mortgages. They also provide solutions for unique financial situations through Non-QM programs, which accommodate various income verification methods like bank statements, stated income, or even no income verification. This flexible approach extends to assisting first-time homebuyers and those with challenging credit histories.

The brokerage emphasizes a client-centric approach, guiding individuals through the pre-approval and application process with tools for secure document upload and online application initiation. By understanding the nuances of different loan programs and market niches, Vintage Lending strives to empower borrowers to achieve homeownership and refinancing goals, ensuring they can access suitable financing even for investment properties or with minimal down payments.