Vipul Ghanshyambhai Hapani Mortgage broker NMLS 1891192

09/17/2026

With only 7 days left before the escrow deadline, the conventional loan was denied due to DTI. We restructured the file using a 12-month bank-statement program for our self-employed borrower—cleared to close and funded within 7 business days.

Another challenging file turned into a successful closing. Another family helped.

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

09/16/2026

09/07/2026

Happy Labor Day!

Wishing you and your family a relaxing, joyful day. Here’s to celebrating the hard work and dedication that move us forward!

09/05/2026

The VEMA Launch Pad has been a tremendous success—and our next stop is Arizona!

If you're a licensed Arizona Loan Officer looking for better opportunities, stronger lead support, modern technology, hands-on training, and a team committed to helping you grow, we would love to connect with you.

Whether you're struggling to generate consistent leads, looking for the right brokerage to support your business, or simply need a trusted company to sponsor your license, VEMA Mortgage may be the home you've been searching for.

📍 Arizona—we're coming to you!

DM me or comment "ARIZONA" below, and our team will reach out to you directly. I'm ready to fly out and meet you as soon as the very next day!

Let's talk about your goals and explore how VEMA can help you build a stronger, more successful mortgage business.

VEMA Mortgage LLC | NMLS #1019911

Licensing and sponsorship are subject to eligibility, state requirements, and company approval.

VEMA Mortgage LLC is an Equal Opportunity Employer. All employment decisions are based on qualifications, merit, and business need, without regard to race, color, religion, s*x, national origin, age, disability, genetic information, veteran status, s*xual orientation, gender identity, or any other characteristic protected by applicable federal, state, or local law.

09/04/2026

https://www.scotsmanguide.com/news/scotsman-guide-2026-top-mortgage-brokers/

Cohen repeats as top broker, Miller climbs to second in the annual rankings

08/05/2026

Buying a home is exciting—but relocating to a new state can also feel overwhelming. My goal is to make the financing process simple, transparent, and stress-free so my clients can focus on their next chapter.

Whether you’re relocating, purchasing your first home, investing, or refinancing, my team and I are here to guide you every step of the way.

📞 571-992-1950
📧 [email protected]
🌐 www.vemamortgage.com

07/27/2026

Every mortgage transaction comes with important decisions, and my role is to make sure my clients have someone in their corner—providing honest advice, clear communication, and guidance every step of the way.