25+ years in mortgage lending
Stephanie VelezMortgage Loan Officer
Stephanie Velez is a dedicated Mortgage Loan Officer at Equitable Lending, NMLS #2693206, with experience in FHA, VA, Conventional, Non-QM and Investor Loans. Stephanie is committed to helping clients find financing solutions tailored to their needs and long-term goals. Drawing on more than 25 years of industry experience, she brings a thoughtful, personalized approach to every client relationship.
Stephanie understands that financing is a significant decision. She takes the time to listen, explain available options, and answer questions so clients feel informed and comfortable throughout the process. Her resourcefulness, attention to detail, and persistence help her navigate complex circumstances and explore practical solutions. From the initial consultation through closing, Stephanie provides responsive communication, dependable guidance, and a genuine commitment to each client's success.
Home Financing
Refinancing
Investment Loans
DSCR Loans
How Stephanie works with clients
A clear, personal process — from the first conversation to the closing table.
She listens first
Stephanie starts by learning your goals, your timeline and what matters most, before recommending a single loan program.
Options explained clearly
FHA, VA, Conventional, Non-QM or investor financing — she walks you through what fits and why, in plain language.
Complex files welcome
Self-employed income, rental properties, DSCR, credit history or foreign national buyers — she finds a practical path.
Present through closing
Responsive communication and dependable guidance every step of the way, right through funding.
Loan programs she specializes in
Not every borrower fits a single box — and you shouldn't have to.
FHA Loans
Low down payment financing with flexible credit guidelines.
VA Loans
Zero-down benefits for eligible veterans, active duty and surviving spouses.
Conventional Loans
Competitive pricing for strong credit and documented income.
Non-QM Loans
Bank statement, P&L-only and alternative income documentation.
Investor & DSCR Loans
Qualify on rental income — no personal income verification required.
Refinancing
Rate-and-term and cash-out options to meet your long-term goals.
Talk with Stephanie
Share a few details and she'll reach out to discuss your options — no obligation.
Prefer to call? (877) 885-0111