# Vista Lending

> A mortgage lender in Austin, Texas. A division of Network Funding, LP (NMLS #2297). Recognized by the Austin Business Journal as a Top 10 Mortgage Company for 8 consecutive years. Loan officers: Russ Laing (NMLS #393558) and Sonya Valia (NMLS #394619).

Vista Lending provides residential mortgage loans — purchase, refinance, cash-out, conventional, FHA, VA, USDA, jumbo, Non-QM, and doctor loans. You work with one loan officer from start to finish. Clear pricing, on-time closings, and over 17 combined years of experience. 4.9-star average across Google, Yelp, and Facebook.

## Company
- Name: Vista Lending
- Legal: Vista Lending, a division of Network Funding, LP
- Tagline: Focused on you.
- Address: 1211 Baylor St., Austin, TX 78703
- Phone: (512) 358-6262
- Hours: Monday–Friday, 9:00 AM – 6:00 PM Central
- Website: https://www.vistaaustin.com
- Parent: Network Funding, LP — NMLS #2297
- Licensed in: Texas, Colorado
- Awards: Austin Business Journal Top 10 Mortgage Company (8 consecutive years). Russ Laing ranked #8 Top Mortgage Producer; Sonya Valia ranked #52 Top Mortgage Producer.

## Loan Programs (2026 Product Guide)
- Conventional — 600 min score (LTV > 80%), 97% LTV / 105% CLTV, no-FICO options, DACA
- FHA — 580 min score, 203(k) Standard & Limited Renovation, 203(h), $100 Down, Good Neighbor Next Door
- VA — 580 min score, IRRRL streamline refi, funding fee waiver for 10%+ service-connected disability
- USDA — 580 min score, manual UW allowed, 0% down in qualifying areas
- Jumbo — Up to $3.5M, 90% max LTV, 660 min score, ARM 5/6 · 7/6 · 10/6, unlimited cash-out
- All Agency — One/Two-Time Close Construction, Down Payment Assistance 100%, High Balance, Renovation, Escrow Holdback, Temporary Buydowns (Conv/FHA/VA/USDA)
- Non-QM — 12/24-month bank statements, Asset Utilization, Asset Depletion, 1099, DSCR, P&L Only, ITIN, Crypto currency, Recent Housing Event, Second Chance & Fresh Start, Foreign National, DACA
- Doctor & Professional Loans — 5% down, no PMI, flexible student loan deferral, employment up to 90 days after closing. MD/DO/DDS/DMD/OD/PharmD/RN/CRNA/NP/PA/DVM/JD/CPA/CFP
- Unusual Property Types — Manufactured (singlewide/doublewide), condotels, co-ops, barndominiums, vacant land/lots, non-warrantable condos
- Other Features — Lock & Shop / TBD, HELOC, Purchase Money 2nd, 40-Year Fixed Interest Only, Bridge Financing, Fix & Flip, FHA/VA 5/1 ARM, Texas VLB

## Loan Officers
- Russ Laing, Loan Officer, NMLS #393558, (512) 358-6130, russ@vistaaustin.com
- Sonya Valia, Loan Officer, NMLS #394619, (512) 358-6109, sonya@vistaaustin.com

## Key Pages
- [Home](https://www.vistaaustin.com/)
- [Loan Programs](https://www.vistaaustin.com/loans)
- [Mortgage Calculator](https://www.vistaaustin.com/#calculator) — on the home page
- [Team](https://www.vistaaustin.com/team)
- [How Pre-Approval Works](https://www.vistaaustin.com/process)
- [Learning Center](https://www.vistaaustin.com/learn)
- [Reviews](https://www.vistaaustin.com/reviews)
- [FAQ](https://www.vistaaustin.com/faq)
- [Contact](https://www.vistaaustin.com/contact)

## What's Different
- You work with one senior loan officer from first call to closing
- No call centers, no handoffs, no rotating processors
- Rates and fees in writing up front
- 98%+ on-time close rate
- 4.9-star average across Google, Yelp, and Facebook
- 17+ years of combined mortgage origination experience