Loan Experts
Based in Florida, Viktoria Funding guides clients through every step of securing mortgages when banks fall short of unique needs.
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Whether you are buying, refinancing, investing or unlocking equity, we analyze your complete financial profile to find the best loan path forwards.
What Is Your Loan Plan?
Conventional or jumbo loan? VA or FHA? DSCR? Bank statements or P&L? Foreign national? Short term rental? We review your entire scenario first.
Finance Your Future
The Best
IN The Business
Liz Lopez is committed to guiding clients through the financing process with clarity, care, and confidence. Serving borrowers across more than 20 states, she focuses on creating personalized plans that align with each client’s goals and financial comfort. Her approach is centered on honesty, communication, and making every step easy to understand.
Whether you’re stepping into homeownership for the first time, restructuring an existing loan, or seeking funding options that support your long-term plans, Liz provides thoughtful direction and customized solutions. She takes the time to evaluate your situation and present choices that truly make sense for you.
Clients value Liz for her responsiveness, attention to detail, and dedication to delivering a smooth experience from start to finish. She believes strong guidance leads to confident decisions and lasting success.
Loan Programs When Traditional Banks Decline Too
When Bank Rules Fail to Fit You Now
Viktoria Funding helps borrowers overcome income challenges, navigate jumbo amounts and meet property‑specific or unconventional lending requirements fast.
Whether you’re purchasing, refinancing or leveraging equity, we align your situation with the optimal loan choice...!
Success Stories
Real borrowers. Real lending challenges. These are deals we closed.
Loan Amount: $1,250,000.00
An experienced real estate investor wanted to purchase a luxury short-term rental property in Miami Beach, FL. Traditional lenders declined the file due to existing investment property exposure. We secured a DSCR loan with 80% LTV, allowing the client to expand their rental portfolio without relying on personal income verification.
Our client was relocating to Boca Raton, FL and needed financing for a high-value waterfront residence. Due to complex self-employment income, obtaining approval through traditional banks proved difficult. We structured a Jumbo loan using bank statement documentation, helping the client close quickly and confidently.
Our clients were relocating from New York to Miami, FL and had found their dream waterfront home. Due to complex self-employment income and multiple business interests, traditional lenders were unable to approve the loan. We secured a Jumbo loan with competitive terms, allowing the clients to close on their new home without delays.
Loan Type: Bank Loan
A successful entrepreneur wanted to purchase a luxury residence in Boca Raton, FL, but his tax returns did not accurately reflect his true income. Using 12 months of business bank statements, we structured a financing solution that enabled the client to purchase the property quickly and confidently.
What Our Clients Are Saying
Loan Program FAQ Guide
Viktoria Funding works with a wide variety of borrowers, including self-employed individuals, real estate investors, foreign nationals, first-time homebuyers, and clients seeking non-traditional financing solutions.
Many self-employed borrowers write off business expenses, which can reduce taxable income on tax returns. Bank Statement and P&L loans allow lenders to evaluate actual cash flow instead of relying solely on tax returns.
Different lenders have different guidelines. If a traditional bank declines your application, specialty loan programs such as Non-QM, DSCR, or Bank Statement loans may still provide financing options.
Yes. Viktoria Funding offers Jumbo and Non-QM loan solutions designed for borrowers who may not qualify under conventional bank guidelines.
Yes. Bridge loan programs may allow you to access equity from your current property to help purchase a new home before selling your existing one.
Yes. Viktoria Funding serves borrowers in approved states and offers financing solutions for a variety of residential and investment property needs.
Absolutely. Bank Statement and P&L loan programs may allow you to qualify using alternative income documentation instead of traditional tax returns.
Jumbo loans generally involve higher loan amounts and may require stronger credit, larger reserves, and additional documentation compared to conventional mortgages.
Jumbo loans are designed for properties that exceed conventional loan limits. They are commonly used for luxury homes, high-value properties, or homes located in expensive real estate markets.
Alternative documentation programs such as Bank Statement, P&L, and Non-QM loans can help self-employed borrowers qualify without traditional income verification requirements.
Yes. DSCR and Short-Term Rental loans are available for investors looking to finance income-producing properties.
Yes. Foreign National loan programs are specifically designed to help non-U.S. citizens purchase or refinance properties in the United States.
A DSCR (Debt Service Coverage Ratio) loan is designed primarily for real estate investors. Qualification is typically based on the property's rental income rather than the borrower's personal income.
Possibly. Non-QM loan programs offer flexible underwriting guidelines and may provide financing options for borrowers with unique financial situations.
Current programs include Conventional, Jumbo, FHA, VA, DSCR, Bridge, Bank Statement, Foreign National, P&L, Short-Term Rental, and other flexible Non-QM loan options.
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