Vault Financial - Mortgage Services

Vault Financial - Mortgage Services Premiere Mortgage lender in Murrieta, California serving all of So Cal area. Top shelf service with great rates. Work with us directly and save money!

Premier Mortgage Lender in Murrieta, Southern California, for all your refinance and purchase loans

Honoring the heroes who made the ultimate sacrifice for our freedom. This Memorial Day, we remember their courage, their...
05/25/2026

Honoring the heroes who made the ultimate sacrifice for our freedom. This Memorial Day, we remember their courage, their service, and their legacy.

Memorial Day weekend is here! Honor, remember, and celebrate. If you’re hitting the road, drive safely and enjoy the lon...
05/22/2026

Memorial Day weekend is here! Honor, remember, and celebrate. If you’re hitting the road, drive safely and enjoy the long weekend. And as always, don't drink and drive.

Honoring all the amazing women who fill our lives and homes with love, guidance and inspiration! From all of us at Vault...
05/10/2026

Honoring all the amazing women who fill our lives and homes with love, guidance and inspiration! From all of us at Vault Financial. Make it a great day! 951.208.6933 NMLS 308071

05/06/2026

🏡 LOWER PAYMENTS. MORE FLEXIBILITY.

Vault Financial is excited to offer a FREE 1-0 Temporary Rate Buydown on eligible purchase loans!

That means your payment could feel like a rate that’s 1% LOWER for the first 12 months — helping make homeownership more affordable right when it matters most.

💰 Lower monthly payments
📉 More breathing room in year one
🏠 Available on eligible Conventional, FHA & VA purchase loans

Whether you're buying your first home or moving up, this program can help ease into homeownership with more confidence.

📲 Contact Vault Financial today to see if you qualify!

NMLS #308071

📣 **BIG NEWS for lenders and the mortgage industry!**FHFA has officially announced that VantageScore 4.0 is here, and FI...
05/01/2026

📣 **BIG NEWS for lenders and the mortgage industry!**

FHFA has officially announced that VantageScore 4.0 is here, and FICO Score 10T is on the way!

Fannie Mae and Freddie Mac are now allowing a limited group of approved lenders to use VantageScore 4.0 while still maintaining the option to use Classic FICO.

This isn’t just a pilot — it’s the future of lending.

✅ **What’s happening now:**
• Tri-merge remains in place (3-bureau requirement)
• Lenders have a choice: VantageScore 4.0 or Classic FICO
• No immediate dual-score mandate (both scores may be accessible through GSE systems)
• Separate loan pricing is coming (LLPAs may follow)

📊 **Why it matters:**
VantageScore 4.0 uses expanded data (like rental & utility payment history), making it more predictive and impacting:

• Borrower qualification
• Approval rates
• Risk layering
• Pricing strategy

🛠 **Why the “wait and see” approach?**
The GSEs are testing, fine-tuning, and preparing for a full rollout. Lenders in the pilot are helping shape the future model.

🎯 The future of credit scoring is evolving — and we’re here to help you stay ahead.

Big update at Vault Financial 🚨We can now use **VantageScore® in addition to FICO®** — which means MORE ways to get you ...
04/29/2026

Big update at Vault Financial 🚨

We can now use **VantageScore® in addition to FICO®** — which means MORE ways to get you approved and potentially BETTER pricing.

Not all credit scores are created equal… and now we can choose the one that works best for YOU.

If you’re buying, refinancing, or thought you didn’t qualify — let’s revisit it.

You might be closer than you think.

📲 Message us today.

FHA loans are designed for low-to-moderate income homebuyers and typically require a lower down payment* than some conve...
04/27/2026

FHA loans are designed for low-to-moderate income homebuyers and typically require a lower down payment* than some conventional loans. Call me to learn more! Wes Hankins 951.208.6933 NMLS 308071

I’ve got a corkboard in my office with a few things that have never come down.One of them is a flyer I originally create...
04/20/2026

I’ve got a corkboard in my office with a few things that have never come down.

One of them is a flyer I originally created back in 2009. I just recreated it—and it brought back a lot of memories. From 2009 to about 2015, that flyer was used constantly. Even after we had most of it memorized, it was always helpful to have a solid point of reference.

It got me thinking…

If you’re in real estate, tax, or any advisory role—who are you referring your clients to? And more importantly, are they protecting your professional reputation?

We’re not a “fly-by-night” company.
And we’re not “yes men.”

We’re here to save you time and money—even if that means telling you “no.”

We’ve stopped countless pre-approvals where the original lender gave incorrect information—protecting both the client and the referral partner in the process.

At Vault Financial, that’s always been the standard. It’s what we’ve built our business on—and it’s what we’ll continue to deliver for you and your clients.

Celebrate Easter Day with love, hope, and new beginnings. Wishing joy and happiness to you and your loved ones. 🐣🌷
04/05/2026

Celebrate Easter Day with love, hope, and new beginnings. Wishing joy and happiness to you and your loved ones. 🐣🌷

Address

24910 Las Brisas Road Suite 119
Murrieta, CA
92562

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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