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NMLS #263038  ·  Licensed in NJ · SC · FL · PA Talk to a real human: 908-656-2048
Symantha Ferares, Mortgage Loan Originator at Virtue Funding, LLC
NMLS #129967
Meet Your Loan Officer · Mortgage Loan Originator, Virtue Funding LLC

Symantha Ferares — over two decades of comprehensive lending experience.

Ground-up construction, real estate investor portfolios, and niche Non-QM programs for self-employed professionals — delivered with tenacious client advocacy and unmatched problem-solving.

20+Years Experience
Non-QM& Construction
360°Lending Perspective
DirectClient Advocacy
NMLS #129967Federally Registered LO
Since 2002Over Two Decades
Non-QM & PortfoliosSpecialized Programs
Virtue FundingIndependent Agility
About Symantha Ferares

Tenacious advocacy and unmatched problem-solving — closing transactions where others stall.

Symantha Ferares is a veteran mortgage professional with over two decades of comprehensive lending experience. Beginning her career in 2002, Symantha has mastered nearly every facet of the mortgage and capital markets, holding key advisory roles across community retail banking, wholesale lending, large-scale regional institutions, and independent mortgage brokering.

Widely recognized for her tenacious client advocacy and unmatched problem-solving acumen, Symantha has built an enduring reputation for closing transactions where others stall. Her multi-channel background provides her with a rare 360-degree perspective on underwriting guidelines, credit risk, and institutional decision-making. Having navigated both the corporate banking framework and independent wholesale channels, Symantha operates under a clear conviction: the independent broker model offers clients the agility, bespoke product access, and competitive pricing required in today’s dynamic real estate environment.

While deeply versed in conventional and FHA lending, Symantha’s true edge lies in ground-up construction, real estate investor portfolios, and niche Non-QM programs for self-employed professionals. Her institutional underwriting background enables her to seamlessly resolve complex tax returns, multi-entity structures, and non-traditional income scenarios.

Why Work With Symantha

What clients get every time.

Tenacious Advocacy

Widely recognized for fighting for borrowers and closing transactions where others stall. No deal left behind.

Two Decades of Lending

Over 20 years mastering mortgage and capital markets across retail banking, wholesale, and independent brokering.

360° Perspective

Rare institutional underwriting insight into guidelines, credit risk, and decision-making that gets files approved.

Complex Income Expertise

Seamlessly resolving complex tax returns, multi-entity structures, and non-traditional income scenarios.

Bespoke Product Access

The independent broker advantage: accessing tailored programs and competitive pricing across dozens of lenders.

Closing Confidence

Guiding you from application through underwriting with clear, transparent communication and complete peace of mind.

Symantha's Specialties

Four focus areas. One experienced advisor.

If your situation doesn't fit one of these neatly, reach out — chances are there's still a path.

Ground-Up Construction

Comprehensive financing for custom homes, builders, and ground-up development projects structured for seamless execution.

Real Estate Investor Portfolios

Tailored financing programs for 1-4 unit rentals, multi-property portfolios, and real estate investment strategies.

Niche Non-QM Programs

Bank statement loans, asset-based solutions, and non-traditional financing for self-employed professionals.

Conventional & FHA Lending

Competitive purchase and refinance options for primary residences, second homes, and first-time buyers.

How It Works

Four steps. Zero guesswork.

From first call to closing — here's exactly how the process feels.

Discovery Call

A short conversation to map your goal, your budget, and the timeline you're working against.

Loan Match

We shop the lender network and bring back the two or three programs that actually fit your situation.

Application & Lock

One streamlined application. We handle the paperwork and lock your rate at the right moment.

Close & Celebrate

Final walkthrough on the numbers, then on to closing — with no last-minute surprises.

Reach Symantha Directly

Two fast ways to start.

Pick whatever's easiest — you'll hear back promptly.

Ready to Move

Let's see what fits your situation.

A direct conversation, clear numbers, and a path forward — usually inside one business day.