A Better Way to Borrow
Our Competitive Edge
Broker Model: I work for you, not the lender—so I shop across lenders to get you the best deal.
Low Overhead: No bloated teams or flashy offices—just focused, efficient execution.
One Point of Contact: From your first conversation to your final closing disclosure, it’s just me. No call centers. No confusion.
Capital Markets Expertise: With years of experience on the institutional side, I understand pricing, risk, and strategy in ways most retail lenders simply don’t.
About Trevor Nardone
I’ve spent nearly two decades in mortgage and capital markets, and I started Vitae because I wanted borrowers to have direct access to that experience — not a call center, not a loan factory.
I graduated from James Madison University in 2007 with a double major in Quantitative Finance and Economics and a minor in Mathematics. My first job out of school was in risk management for the University of Virginia’s endowment, starting right as the 2008 financial crisis hit — an early, close-up lesson in how fast markets can turn and how much discipline it takes to manage risk when everything is on fire.
From there I moved into mortgage capital markets, spending a decade at SunTrust — trading daily with Wall Street’s largest desks and institutional investors — working my way up from analyst to Senior Trader. I later became SVP of Capital Markets, running the Secondary desk at AmeriSave, where our team managed over $21 billion in annual volume at its peak.
That’s the vantage point Vitae is built from — not a sales floor, but a trading desk. Here’s what it taught me, and why I do things differently.
NMLS #2539162
Why I Started Vitae
From that seat — transacting with the biggest desks on Wall Street every day — I saw exactly how the mortgage industry sets pricing, and how much of it never needed to cost borrowers what it does.
Large lenders pass along bloated overhead to consumers. Smaller shops often lack access to competitive pricing. Loan officers are frequently incentivized to prioritize volume over value.
I knew there was a better way to build this.
Vitae is lean and client-focused by design. By wearing multiple hats myself — broker, loan officer, capital markets, processor, and yes, even web designer — I cut out layers of unnecessary cost and pass the savings straight to you.
Learn more about how a mortgage broker can help you live more and owe less.
Life Loans, Not Dead Pledges
When you work with Vitae, you’re not just getting a loan—you’re getting a strategy. One that protects your future, fits your financial goals, and keeps more money in your pocket.
Because we believe your home loan should be a stepping stone to a better life—not an anchor.