Your Preferred Lender
Victor Salazar
Kings of Lending
4.9★Star Rating
60+Google Reviews
11States Licensed
Victor Salazar is the founder of Kings of Lending, operating under EMortgage Capital, one of the most reviewed mortgage companies in the country with thousands of 5-star ratings nationwide. The Kings of Lending team is licensed in 11 states, and E Mortgage Capital lends in 49. Victor specializes in residential, investment, and commercial real estate financing.
His process starts with a soft credit pull so you can explore your full range of options without any impact to your score. From first call to final approval, his team moves fast, stays transparent, and puts your goals first.
Learn From Victor
Answers Before You Need Them
Two short explainers on the parts of financing that cost buyers the most when nobody explains them.
Getting Started3 Steps When Buying a HomeVictor Salazar
UnderwritingWhy Lenders Read Your Bank StatementsVictor Salazar
Why The Besson Group Chose Them
The Difference You Can Feel
01
Soft Credit Pulls
Explore your financing options without any impact to your credit score. Victor’s approach protects buyers from the very start of the process.
02
Licensed Across 11 States
The Kings of Lending team is licensed in 11 states, and E Mortgage Capital lends in 49 of them. Wherever you are buying or investing, there is a path.
03
Backed by EMortgage Capital
Kings of Lending operates under EMortgage Capital, which carries thousands of 5-star reviews and a proven national track record of results.
Strategy
Money Most Buyers Never Knew They Could Use
There is a way to structure a purchase using the bank’s money instead of draining the reserves you worked years to build. Victor explains it in under two minutes, and it changes what most buyers believe they can afford.
Who He Helps
Built for Complicated Situations
Six situations Victor and the Kings of Lending team handle every week. If yours is complicated, that is usually a reason to call rather than a reason not to.
01
First-Time Buyers
Guided step by step, without ever being talked down to.
02
Jumbo and Luxury
High-value purchases structured properly, into eight figures.
03
Self-Employed and 1099
Bank-statement and asset-based approvals other banks turn away.
04
Investors and Portfolios
Multiple properties, DSCR and cash-flow strategies.
05
ITIN and Foreign Nationals
Homeownership without a Social Security number.
06
Refinance and PMI Removal
Lowering what you pay every single month.
How It Works
From First Call to Closed Deal
01
Schedule a Free Consultation
A quick 20-minute call with Victor to review your goals, timeline, and financial picture. No commitment, no pressure, no hard credit pull.
02
Get Your Custom Mortgage Plan
Victor reviews your options across loan types and builds a strategy tailored to your situation, goals, and timeline.
03
Close with Confidence
Walk into every offer knowing exactly what you qualify for. Sellers take pre-approved buyers seriously. You will be ready from day one.
Licensing and Credentials
Verifiable, in Plain English
Individual NMLS
Victor Salazar, NMLS #2052157. You can look this up yourself on NMLS Consumer Access.
Brokerage
Kings of Lending, powered by E Mortgage Capital, Inc. NMLS #1416824. Equal Housing Lender.
Where the Team Is Licensed
The Kings of Lending team is licensed in 11 states.
Where E Mortgage Capital Lends
49 states, every state except New York.
E Mortgage Capital, Inc. has been recognized by UWM as an Elite 100 partner and a Top 1% partner, and holds a BBB A+ accreditation. These awards belong to E Mortgage Capital, not to Kings of Lending individually.
Books and Guides by Victor Salazar
Everything Victor Knows, Written Down
The Book
The Wealth Builder’s Mortgage Guide
Simple steps to financial independence. Victor breaks the entire mortgage process into clear, actionable steps and shows readers how a mortgage, structured properly, becomes a tool for building wealth rather than a bill to survive.
All proceeds are donated to charities helping families in need of homes.
Also available at
Two Free Guides
Free Guide
First-Time Homebuyer’s Adventure
If you have never bought a house, nobody tells you the order things happen in. This walks the whole journey start to finish: what to do first, what the jargon means, and where people get stuck.
Free Guide
How To Remove Your Mortgage Insurance
Plenty of homeowners pay mortgage insurance months or years longer than they need to, simply because nobody told them how to get it removed. This explains exactly how, and when you become eligible.
Take the First Step
Know Your Buying Power Before You Search
Before you tour a single property, find out exactly what you qualify for. One conversation with Victor gives you clarity, confidence, and a competitive edge. The Besson Group and Kings of Lending are in your corner from day one.