About Us
years of
experience
25+
Randy Wittmann | NMLS #67192
Leading Visionary Lenders with experience & integrity
For more than 25 years, Randy Wittmann has helped borrowers secure financing through innovative Non-QM lending solutions. From self-employed professionals to real estate investors, he provides personalized guidance and creative financing strategies designed to achieve results.
Miami Lakes, FL
14100 Palmetto Frontage Road, Suite 300 Miami Lakes, FL 33016 -- NMLS #213236
About Visionary Lenders
We are a full-service Non-QM lender dedicated to helping borrowers find flexible financing solutions that fit a wide range of income and credit profiles. Whether you are self-employed, a 1099 earner, an investor, or a borrower with unique financial circumstances, we offer a broad menu of Non-QM products designed to create options where traditional financing may fall short.
Our team understands that every borrower’s situation is different, which is why we take a personalized approach to every loan scenario. From bank statement and 1099 programs to DSCR, asset-based, and other specialty lending solutions, we work to match each client with the right product, structure, and terms to help them move forward with confidence.
What is a Non-QM loan?
A Non-QM loan is a flexible mortgage solution for borrowers who may not fit traditional lending guidelines.
What types of loans are available?
We underwrite loans in house with over 20 investors, and have a loan program for just about everyone. Our current mortgage loan programs include :
- Self Employed Non-QM Programs : Bank Statements,1099 only, Asset Utilization, Profit & Loss, VOE only, Jumbo loans and Full documentation
- Investor Loan Programs : DSCR, Fix and flip, Bridge loans, and hard money loans
- Conventional and Government Loan Programs : FHA, VA, USDA, and Reverse mortgages
Typical interest rate differences for non-QM versus conventional loans
Non-QM loans are generally priced a bit higher than conventional loans, but the spread varies by borrower profile, property type, and market conditions. In practice, many Non-QM programs come in roughly 0.25% to 1.50% higher than conventional financing, though strong borrowers with solid compensating factors can sometimes see pricing that is closer to standard mortgage rates. The reason for the difference is that conventional loans are easier to sell in the secondary market and follow standardized agency guidelines, while Non-QM loans use more flexible underwriting and are usually funded by private investors. That added flexibility is useful for self-employed borrowers, 1099 earners, and others who don’t fit the conventional box, but it usually comes with a small rate premium.
How do I know which program is right for me?
The best program depends on your income, property goals, and overall financial profile
Do I need tax returns to qualify?
Not always. Depending on the program, qualification may be based on bank statements, 1099s, assets, profit and loss statements, or rental income. These options are designed to create more opportunity for borrowers with complex income.
Client Testimonials
Peoples talk about
Visionary Lenders
Fast Closing! i was buying 5 rental properties i was able to close in 10 days!
Joey S
Palm Beach Florida
wow! Hands down, hats off. I shake your hand. You're a woman of honor. You did what u said you'd do. To me that goes a long way
Richard
Boca Raton FL
Great Experience I had a great experience they made it easy to buy my home
Joe
Miami FL
