Vipul Ghanshyambhai Hapani Mortgage broker NMLS 1891192

10/31/2026

Dressing as a 2% mortgage rate this Halloween… because everyone’s still chasing me! 🎃👻

Some people chase ghosts. Some chase mortgage rates. Tonight, I’m just chasing candy!

Happy Halloween from all of us at VEMA Mortgage! Have a safe and spooktacular night!

Vipul Hapani | Broker Owner | NMLS #1891192
VEMA Mortgage LLC | NMLS #1019911
Equal Housing Opportunity
Verify licensing at www.nmlsconsumeraccess.org

Halloween humor only. The 2% reference is not an advertised or available rate. This is not a commitment to lend or an offer to extend credit. All loans are subject to credit approval, underwriting, and program requirements.

State Licensing Disclosures:
CT: Mortgage Broker License -1019911 — mortgage broker only, not a mortgage lender or mortgage correspondent lender.
NJ: Licensed by the N.J. Department of Banking and Insurance, NMLS #1019911.
AZ: Mortgage Broker License -1050238.

10/31/2026

10/30/2026

Want to pay off your mortgage sooner? Small extra payments can make a difference.

Adding a little toward principal each month or putting part of a bonus toward your balance may help reduce interest and shorten your loan term.

Before you start, confirm how your servicer applies extra payments and check for any fees or prepayment penalties. Choose an amount that fits your budget while keeping your emergency savings intact.

Save this flyer and reach out with your mortgage questions!

Vipul Hapani | Broker Owner | NMLS #1891192
VEMA Mortgage LLC | NMLS #1019911
586-321-1064 | [email protected]
www.vemamortgage.com

Equal Housing Opportunity. Educational information only. Savings and payoff timing vary by loan and payment amounts; results are not guaranteed. This is not a commitment to lend. Verify licensing at www.nmlsconsumeraccess.org

CT: Mortgage Broker License -1019911 — mortgage broker only, not a mortgage lender or mortgage correspondent lender. NJ: Licensed by the N.J. Department of Banking and Insurance, NMLS #1019911. AZ: Mortgage Broker License -1050238. Vipul Hapani | Broker Owner | NMLS #1891192. VEMA Mortgage LLC | NMLS #1019911

10/29/2026

Retired? One Lender Said NO? Don't Give Up on Homeownership!

Retirement doesn't mean your dream of owning a home has to end!

Social Security income may qualify
Pension income may count
Retirement assets may help you qualify
Different lenders offer different qualifying options

One lender's NO could be another lender's YES!

At VEMA Mortgage, we explore available options to help you find the right mortgage solution.

📞 Let's talk about your homeownership goals!

Vipul Hapani | Broker Owner | NMLS #1891192
VEMA Mortgage LLC | NMLS #1019911
🌐 www.vemamortgage.com

Equal Housing Opportunity. This is not a commitment to lend or an offer to extend credit. All loans subject to credit approval, underwriting, appraisal, and final approval. Actual rates and terms may vary based on credit score, loan amount, loan-to-value, property type, occupancy, and other factors. Licensed in 24 states. Additional state disclosures may apply. Verify licensing at www.nmlsconsumeraccess.org.

Program Disclaimer: Social Security, pension, and asset-based income qualification are subject to applicable program eligibility, documentation, debt-to-income requirements, and underwriting guidelines. Not all borrowers or assets qualify.

State Licensing Disclosures:
CT: Mortgage Broker License -1019911 — mortgage broker only, not a mortgage lender or mortgage correspondent lender.
NJ: Licensed by the N.J. Department of Banking and Insurance, NMLS #1019911.
AZ: Mortgage Broker License -1050238.

10/28/2026

The Fed hit pause—but mortgage rates can still move.

A Fed rate hold doesn’t mean your mortgage rate stays the same. If you’re buying or refinancing, focus on your budget, your monthly payment, and your closing timeline.

Wondering when to lock your rate? Let’s talk about your options.

10/27/2026

Your tax returns may not tell your whole financial story.

Self-employed? Bank statement loans may offer another way to qualify. Buying a rental property? A DSCR loan may use the property’s rental income.

Message me “NON-QM” to explore your options with VEMA Mortgage.

Rates and down payment requirements may be higher.



Equal Housing Opportunity. This is not a commitment to lend or an offer to extend credit. All loans subject to credit approval, underwriting, appraisal, and final approval. Actual rates and terms may vary based on credit score, loan amount, loan-to-value, property type, occupancy, and other factors. Licensed in 24 states. Additional state disclosures may apply — verify licensing at www.nmlsconsumeraccess.org.

CT: Mortgage Broker License -1019911 — mortgage broker only, not a mortgage lender or mortgage correspondent lender. NJ: Licensed by the N.J. Department of Banking and Insurance, NMLS #1019911. AZ: Mortgage Broker License -1050238. Vipul Hapani | Broker Owner | NMLS #1891192. VEMA Mortgage LLC | NMLS #1019911

10/26/2026

Need funds for your next home renovation project? Ask me about getting a home equity line of credit (HELOC)! Call today to discuss your options.

Equal Housing Opportunity. This is not a commitment to lend or an offer to extend credit. All loans subject to credit approval, underwriting, appraisal, and final approval. Actual rates and terms may vary based on credit score, loan amount, loan-to-value, property type, occupancy, and other factors. Licensed in 24 states. Additional state disclosures may apply — verify licensing at www.nmlsconsumeraccess.org.

CT: Mortgage Broker License -1019911 — mortgage broker only, not a mortgage lender or mortgage correspondent lender. NJ: Licensed by the N.J. Department of Banking and Insurance, NMLS #1019911. AZ: Mortgage Broker License -1050238. Vipul Hapani | Broker Owner | NMLS #1891192. VEMA Mortgage LLC | NMLS #1019911

10/25/2026

I know how important timing is when buying a home. At VEMA Mortgage, we streamline your pre-approval so you can make that winning offer quickly!

Pre-approval timelines vary based on documentation, credit, and lender requirements. Equal Housing Opportunity. This is not a commitment to lend or an offer to extend credit. All loans subject to credit approval, underwriting, appraisal, and final approval. Actual rates and terms may vary based on credit score, loan amount, loan-to-value, property type, occupancy, and other factors. Licensed in 24 states. Additional state disclosures may apply — verify licensing at www.nmlsconsumeraccess.org.

CT: Mortgage Broker License -1019911 — mortgage broker only, not a mortgage lender or mortgage correspondent lender. NJ: Licensed by the N.J. Department of Banking and Insurance, NMLS #1019911. AZ: Mortgage Broker License -1050238. Vipul Hapani | Broker Owner | NMLS #1891192. VEMA Mortgage LLC | NMLS #1019911