the power of choice
is only as strong as the options presented

Vertical lending,
delivers bona fide and ethical loan solutions
which empower, you, the borrower.

choose, the higher lending standard.

  • info_01
  • info_02
  • info_03

customer testimonials

Vertical Lending has so many more loan options than other lenders. Not only have I found them more familiar with the ins and outs of the market... they close deals.

J Michael Nolen Jr.
The Nolen Group / Coldwell Banker
Winter Haven, FL Realtor

I have worked closely with Vertical Lending for years. Vertical has always been able to find the best loan product and offers excellent fees and rates consistently to me and my clients.

Richard I. Kantner, Jr., ESQ
Kantner Law Firm
St Pete / Tampa, FL Attorney

Subscribe realtime rate and loan program information

Buying A Home? We have information that will help!

Have questions? Talk to one of our licensed Loan Officers or Receive Loan Approval Instantly

VERTICAL LENDING proudly originates the following mortgages:

  • Conventional (Fannie Mae / Freddie Mac)
  • FHA/VA/USDA(rural housing)
  • Homepath
  • Jumbo Loans
  • Reverse Mortgages
  • Private or Hard Money

VERTICAL LENDING offers bona fide home loan solutions for real challenges.

  • I have little to no money for down payment.
  • The loan amount is too low or too high.
  • The home I want buy is a foreclosure.
  • Repairs are needed to make the home livable
  • I need a construction or lot loan.
  • I am not a US citizen.
  • I am over 62 years old.
  • I have challenged or no credit.

Refinancing your Home? We have information that will help!

Have questions? Talk to one of our licensed Loan Officers or Receive Loan Approval Instantly

VERTICAL LENDING proudly originates the following mortgages:

  • Conventional (Fannie Mae / Freddie Mac)
  • The loan amount is too low or too high.
  • Jumbo Loans
  • Reverse Mortgages
  • Private or Hard Money
  • I am not a US citizen.
  • I am over 62 years old.
  • I have challenged or no credit.

Vertical Lending offers bona fide home loan solutions for real challenges.

Looking for a Reverse Mortgages? We have information that will help!

Have questions? Talk to one of our licensed Reverse Mortgage Experts or Receive Loan Approval Instantly

VERTICAL LENDING proudly originates the following Reverse mortgages:

  • Home Equity Conversion Mortgages (HECMs)
  • HECM Standard
  • HECM SAVER
  • Single-Purpose Reverse Mortgage
  • Proprietary Reverse Mortgage

VERTICAL LENDING offers bona fide home loan solutions for real challenges.

  • I am over 62 years old.
  • I have challenged or no credit.
  • I have medical issues and I can not work.
  • I am struggle to pay my mortgage, but I have equity in my home.
  • Repairs are needed to make my home livable.

Looking for a Commercial Property Loan? We have information that will help!

Have questions? Talk to one of our licensed Commercial Loan Experts or Receive Loan Approval Instantly

VERTICAL LENDING proudly originates the following types of commercial loans:

  • Purchase/Acquisition
  • Development
  • Construction
  • Subdivision
  • Refinance
  • Subordinate/Equity/Cash-Out
  • Single Use
  • Flex Space
  • Church

VERTICAL LENDING accepts the following commercial property types:

  • Hotel
  • Motel
  • Restaurants
  • Gas Station
  • Manufactured Housing Park
    (Mobile Home Park)
  • Bare Land/Raw Land
  • Mixed Use
  • Short Sale/ Short Payoff

Apartment Complex

  • Apartment Complex
  • Low Income Apartments
  • Student Apartments
  • Senior Apartments
  • Condominiums (Condos)

Free Standing Retail

  • Single Tenant Office Building
  • Hi-Rise Tower Office Building
  • Mid-Rise Office Building
  • Office Over Retail Building
  • Residential Over Retail

Manufacturing Facilities

  • Heavy Manufacturing
  • Light Manufacturing
  • Warehouse
  • Distribution
  • Multi-Tenant Industrial

Strip Center

  • Shopping Mall
  • Outlet Mall
  • Strip Mall

Storage Unit Complex

  • Self Storage
  • Mini Storage

Vertical Lending offers bona fide commercial loan solutions for real challenges.

  • I have limited down payment for my commercial property purchase.
  • I reported a loss on my taxes, in turn I was denied commercial financing.
  • I have challenged or no credit.
  • I am struggling to pay my mortgage, but I have equity in my property.
  • Repairs are needed to make my property usable.
  • I have unpaid property taxes that must be cured.

Vertical Lending Security Center The security of your personal information is always a priority at Chase. We work hard to help ensure your account information stays secure.

Resources

  • OnlineOnGuard.gov

    Tips from the federal government to help you protect your personal information.

  • FTC.gov

    Information from the Federal Trade Commission to help you avoid identity theft and learn what to do if your identity is stolen.

  • FDIC.gov

    Tips from the FDIC about how to protect yourself from identity theft and fraud.

Online Security

Back to Security Info »

We may track activity and transactions on an individually identifiable basis if you apply for or use a Vertical product or service online. We may use identification information we collect in order to protect against actual or potential fraud. In order to constantly improve our web site and better serve our customers online, Vertical may use various tracking methods (such as cookies and other technologies, etc.) to gather information about site visitors' browsing activities.

Social Security Number Policy

Back to Security Info »

Vertical, in the normal course of business and as required by law, collects Social Security numbers in establishing, maintaining and servicing customer accounts. It is Vertical's policy to implement reasonable measures to protect the confidentiality of Social Security numbers, to prohibit unlawful disclosure of Social Security numbers, and to limit access to Social Security numbers.

Report Fraud

Back to Security Info »

How To Report Fraud

I think I'm a victim of fraud.

If you're worried that you might have inadvertently compromised your Vertical account: It's important you speak with us immediately. The sooner we know what's happened, the sooner we can begin helping you. Please call us now.

This includes:

  • Credit or Debit Card #
  • PII (Personal Identifiable Information) – such as Social Security or Tax ID #
  • VerticalLending.net logon information – User ID's or passwords

I've received a suspicious e-mail.

If you think you've received a fraudulent e-mail, but you haven't acted on it: Please forward it to abuse@VerticalLending.net so we can investigate it for you. You'll receive an automated response to let you know we received the e-mail.

Report fraud by phone:

Vertical lending - 863.299.0082

Report fraud by e-mail:

We strongly encourage you to call us immediately if you think your Vertical account has been put in jeopardy. If, for some reason you prefer to contact us electronically, please forward the suspicious e-mail to accountatrisk@VerticalLending.net. Please include the account holder's name, zip code and phone number so we can easily identify you. You'll receive an automated response to let you know we got the e-mail.

Fraud Information

Back to Security Info »

We recognize how important it is to protect your identity from unlawful use, and shield your accounts from fraud and unauthorized access. With that in mind, we want you to know it is not our practice to ask for your Vertical Online User ID or password in e-mail.

Further, you can be assured that it's not our practice to:

  • Send e-mail that requires you to enter personal information directly into the e-mail
  • Send e-mail threatening to close your account if you do not take the immediate action of providing personal information
  • Send e-mail asking you to reply by sending personal information
  • Share your name with any contacts outside our firm in a manner inconsistent with our Privacy Policy

With those things in mind, please exercise caution when reading e-mail that may appear to have been sent by us. It's an unfortunate reality that criminals continue to devise ways to exploit technology in an effort to rip you off. One increasingly common scam is called "phishing" (pronounced "fishing"), where your personal information is the “catch of the day.”

There are hundreds of variations, but in general, phishing comes in one of these flavors:

  • A warning of unauthorized access to your account
  • A threat to suspend or deactivate your account
  • Notification of a charge to your account for an item you clearly did not purchase (e.g. products from an adult site)
  • Notification of fraudulent activity on your account
  • An offer of a reward for completing a survey
  • Informing you of a banking service you have been given free of charge
  • Notification of changes to online banking due to the merger
  • Notification of a software or security upgrade to our online services

Phishing e-mail usually takes an urgent or demanding tone, telling you to act immediately to verify or update personal information such as bank account numbers, user names/passwords, credit card account numbers - even your Social Security Number.

If you want to let us know about something you've received, please forward it to abuse@VerticalLending,net. You'll get an automated response to let you know we got the message.

If you've gotten such e-mail and you have questions, please forward it to us at emailquestion@VerticalLending.net. You'll get an automated response to let you know we got the message.

Visiting Our Website

Back to Security Info »

You can browse our site anonymously without identifying yourself during your visit. We will obtain information that personally identifies you when you specifically choose to provide it.

For example, during your visits to our web sites, you may request information, contact us, apply for Vertical products or services or conduct transactions online. You will then need to give us certain personal information just as you would if you were communicating with us in person, by mail or by telephone. Be assured that we maintain electronic security safeguards to help protect personal information about you that we obtain via the Internet.

By providing information about yourself and your preferences, you can enhance your online experience with us. And, we will be able to better service your requests and/or inquiries.

How We Collect Information Online

Back to Security Info »

When you visit our site we may ask you to "sign-in," complete a survey, or answer simple questions. These may include questions such as where you live, your e-mail address and your interest in receiving e-mail from Vertical on new products and services. We collect this information so that we can determine what kinds of products and services are of most interest to you.

E-mail Communications

Back to Security Info »

If you choose to send us an e-mail message, we may retain the content of the e-mail, your e-mail address, and our response in order to service your needs.

Whenever you provide to us or we otherwise obtain your e-mail address, we may use that e-mail address to send you messages related to your accounts or services or other products or services that may be available to you. You can unsubscribe from some of these e-mail messages by following the instructions provided in the e-mail message. See E-mail Opt Out below for more details.

Please note that some Chase services or online programs such as Chase Online, Chase Credit Card Alerts and the Chase Bill Management Center require a valid e-mail address in order to register and/or continue use of the service. You will receive e-mail alerts or notification messages from these programs unless you un-enroll from these services. To learn more about these services and how to update your preferences, log onto your Chase Online account.


Warning: include(manager/includes/security_info.php) [function.include]: failed to open stream: No such file or directory in /home2/mrnolen/public_html/vertical/index.php on line 35

Warning: include(manager/includes/security_info.php) [function.include]: failed to open stream: No such file or directory in /home2/mrnolen/public_html/vertical/index.php on line 35

Warning: include(manager/includes/security_info.php) [function.include]: failed to open stream: No such file or directory in /home2/mrnolen/public_html/vertical/index.php on line 35

Warning: include() [function.include]: Failed opening 'manager/includes/security_info.php' for inclusion (include_path='.:/opt/php52/lib/php') in /home2/mrnolen/public_html/vertical/index.php on line 35

WHAT DOES VERTICAL LENDING DO WITH YOUR PERSONAL INFORMATION?

WHY?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

WHAT?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and income
  • Account balances and transaction history
  • Credit history and payment history
HOW?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Chase chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information Does Vertical Lending Share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus. Yes No
For our marketing purposes – to offer our products and services to you. Yes No
For joint marketing with other financial companies. Yes No
For our affiliates' everyday business purposes – information about your transactions and experiences. Yes No
For our affiliates' everyday business purposes – information about your creditworthiness. Yes Yes
For our affiliates to market to you. Yes Yes
For non affiliates to market to you. Yes Yes
To limit our sharing

Call 1-863-299-0082 or Visit us online

Please note:
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions?

Call 1-863-299-0082

WHO WE ARE

Who is providing this notice? Vertical Lending Services, LLC

WHAT WE DO

How does Vertical Lending protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We authorize our employees to get your information only when they need it to do their work, and we require companies that work for us to protect your information.

How does Vertical Lending collect my personal information?

We collect your personal information, for example, when you:

  • apply for a mortgage loan
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes – information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

DEFINITIONS

Affiliates

Companies related by common ownership or control. They can be financial and non financial companies.

Non affiliates

Companies not related by common ownership or control. They can be financial and non financial companies.

  • Non affiliates we share with can include companies such as retailers, auto dealers, auto makers and membership clubs
Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners include categories of companies such as insurance companies