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Have you been pre-qualified for a home loan?

Work with us! We are a full-service mortgage lender in Palm Desert, California, offering FHA, VA, USDA, Conventional and Jumbo Loan Mortgage programs. 

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Purchasing a Home?

Purchasing a home is a milestone. The team at Vanmar Lending is here to help make the dream a reality. Vanmar Lending is a full-service mortgage lending team offering FHA, VA, USDA, conventional and jumbo Loan mortgage programs.


Refinancing a Home?

There are numerous reasons why homeowners explore refinancing their current mortgage.

Perhaps they want to:




The Homeownership Dream

At Vanmar Lending, our mission is to make the dream of homeownership a reality by providing unparalleled Five-Star Service. Rooted in our Coachella Valley community, we are dedicated to facilitating every client's unique path to home ownership. With our unwavering commitment to clear communication, decisive problem-solving, and timely execution, we embody the true essence of winning. As your neighbors, your success is our success, and together, we transform dreams into homes.

We will make Home Ownership a reality!

Call Vanmar Lending today: 760-200-4620
Visit our office at 77824 Wildcat Drive
, Palm Desert, CA

Carlos & Kristen Martinez

Carlos and Kristen Martinez form the heartbeat of Vanmar Lending, a company they nurtured into life in 2012 with a shared vision of service and excellence in mortgage solutions. They bring together a dynamic blend of skills in FHA, VA, USDA, Conventional, and Jumbo loan programs, underpinning Vanmar’s reputation as a trusted name in mortgage lending.

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The Mortgage Process


Submit all necessary documents to pave the way for your loan. Our team will assist you in gathering financial statements, tax records, and employment verifications to create a complete picture of your fiscal health.



We'll arrange for a professional evaluation of the property's value, ensuring it aligns with your loan amount. This step is crucial in determining the security for your mortgage.


Our underwriters will meticulously review your application and documentation to verify that all lending requirements are met. They ensure responsible lending practices are followed, safeguarding both you and the lender.


Conditional Approval

Receive approval with conditions that must be satisfied before the final loan can be granted. This step means you're almost there – just a few more requirements to check off the list!

Clear to Close

Once all conditions are met, you'll receive the 'clear to close' from underwriting. This means your loan is ready to go, and closing arrangements can be made.



The grand finale where you sign the mortgage and related paperwork. After the closing is complete, the loan funds are disbursed, and you're the proud owner of your new home.

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