Loan Officer · Mortgage Specialist

Your Path to
Homeownership
Starts Here

From first-time buyers to seasoned investors — Vanessa Schlitt delivers clear, fast, personalized mortgage solutions nationwide. FHA, VA, Conventional, Jumbo, DSCR & more.

Start Your Application Explore Loan Programs
Licensed & NMLS Registered
Vanessa Schlitt  NMLS #2103600
Loan Factory  NMLS #320841

Languages spoken

English · Spanish · Português
3 Languages
10+ Loan Programs
100% Client Focus
Residential
Home Purchase Loans
Investment
DSCR & Investor Loans
Refinance
Rate & Cash-Out Refi
Commercial
SBA & Business Loans
Non-QM
Bank Statement Loans
Vanessa Schlitt
Vanessa Schlitt
Licensed Loan Officer
🇧🇷 Português 🇺🇸 English 🇪🇸 Español
NMLS Licensed
Vanessa Schlitt  NMLS #2103600
Loan Factory  NMLS #320841

About Vanessa

Nationwide Mortgage Loan Officer — Clear, Fast & Stress-Free Financing

Vanessa Schlitt is a licensed Loan Officer (NMLS #2103600) with Loan Factory, dedicated to helping clients across the United States achieve their homeownership and investment goals. With expertise in FHA, VA, Conventional, Jumbo, DSCR, Non-QM, and ITIN loans, Vanessa guides every borrower through the mortgage process with clarity and confidence.


Originally from Brazil, Vanessa is fluent in English, Spanish, and Portuguese — making home financing more accessible and comfortable for clients from diverse backgrounds nationwide.


Work With Me

Loan Programs

A Solution for Every Borrower

Discuss Your Options
Conventional Loans
Standard home financing backed by Fannie Mae or Freddie Mac, ideal for borrowers with solid credit and stable income.
FHA Loans
Government-backed loans with lower down payment requirements — perfect for first-time homebuyers building their future.
VA Loans
Exclusive home financing for veterans and active-duty service members — often with no down payment required.
USDA Loans
100% financing for eligible rural and suburban properties — designed to make homeownership accessible nationwide.
Jumbo Loans
Financing solutions for higher-priced properties that exceed conventional conforming loan limits.
Non-QM Loans
Flexible programs for self-employed borrowers, bank statement loans, and unique financial situations that don't fit traditional criteria.
ITIN Loans
Home financing for borrowers who use an Individual Taxpayer Identification Number — opening the door to homeownership for those without a Social Security Number.
DSCR Loans
Debt Service Coverage Ratio loans let real estate investors qualify based on rental property income — no personal income verification required.
Foreign National Loans
Specialized financing for non-U.S. citizens and foreign nationals purchasing U.S. property — even without a U.S. credit history or permanent residency.
Hard Money Loans
Asset-based, short-term financing ideal for real estate investors, fix-and-flip projects, and time-sensitive deals where speed and flexibility matter most.

Ready to Refinance?

Whether you want to lower your rate, shorten your term, or access your home's equity through a cash-out refinance — I'll find the best path forward for your goals.

Explore Refinancing

Investment & Commercial

Grow Your Portfolio With Confidence

Whether you're purchasing your first investment property, scaling a real estate portfolio, or financing a business expansion — I bring creative problem-solving and deep expertise to every transaction.


I also assist with commercial financing options including SBA loans, which are ideal for business owners looking to purchase or expand their operations.


Talk to Vanessa

Investment Programs

Investor Financing
Investment Property Loans
Short-Term Strategy
Fix & Flip Programs
Cash Flow Focus
DSCR Investor Loans
Business Growth
SBA Commercial Loans
Lifestyle Property
Second Home Financing

Why Work With Me

Results-Driven. Client-Focused. Always Available.

01
Experience That Delivers
Proven track record guiding borrowers through complex transactions with creative problem-solving and clear communication.
02
Fast Response Times
I stay ahead of your loan so you're never waiting. No surprises, no delays — just steady forward momentum.
03
Multilingual Service
Fluent in English, Spanish, and Portuguese — making the process more comfortable for clients from diverse backgrounds.
04
End-to-End Support
From the first conversation to closing day, I'm your advocate — and I know how to keep your loan moving when challenges arise.

Client Reviews

What Clients Are Saying

5.0
★★★★★
Google Reviews
★★★★★

"Vanessa is a dream to work with. If you want someone that is going to fight your battles on your behalf and not give up, she is the one. She has great communication, fast response time, and truly cares about her clients."

C
Client Review
via Google
★★★★★

"Vanessa is a professional that makes things happen. Her follow up skill is very efficient. Her expertise to explain concepts clearly and guide us through the loan process was wonderful. I highly recommend Vanessa."

R
Satisfied Client
via Google
★★★★★

"We are first-time home buyers and our experience was great. Vanessa and her team were professional, kind, and honest. They made the whole experience fantastic. We closed as expected — no surprises! A+++."

F
First-Time Buyer
via Google
View All Reviews on Google

Get In Touch

Let's Talk About Your Goals

No matter your situation — first-time buyer, investor, or business owner — I work to find the right solution and guide you through the process with clarity and confidence.

Email
vanessa.schlittt@loanfactory.com
Phone
(919) 720-5875
Languages
English · Spanish · Português
Licensing
Loan Factory  NMLS #320841
Vanessa Schlitt  NMLS #2103600

Send a Message

Common Questions

Frequently Asked Questions

What loan programs does Vanessa Schlitt offer?

Vanessa offers a comprehensive range of mortgage products including FHA loans, VA loans, Conventional loans, USDA loans, Jumbo loans, Non-QM / Bank Statement loans, ITIN loans, DSCR investor loans, Foreign National loans, Hard Money loans, Fix & Flip loans, Refinance, Second Home, and SBA / Commercial loans.

Does Vanessa Schlitt work with clients outside of North Carolina?

Yes! Vanessa is a licensed loan officer with Loan Factory (NMLS #320841) and works with borrowers across the United States. Whether you're in California, Texas, Florida, New York, or anywhere else in the country, Vanessa can help you navigate the mortgage process.

What languages does Vanessa Schlitt speak?

Vanessa is fluent in English, Spanish, and Portuguese. This makes her an ideal loan officer for Spanish-speaking and Brazilian/Portuguese-speaking borrowers who want to navigate the home loan process in their native language.

Can I get a mortgage without a Social Security Number?

Yes. Vanessa specializes in ITIN loans for borrowers who do not have a Social Security Number but hold an Individual Taxpayer Identification Number (ITIN). She also offers Foreign National loans for non-US citizens purchasing or investing in property in the US.

How do I get started with a mortgage application?

Getting started is simple. You can call or text (919) 720-5875, email vanessa.schlittt@loanfactory.com, or fill out the contact form on this page. Vanessa will reach out quickly to discuss your goals and guide you toward the right loan program.