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EVERY MORTGAGE LOAN IN THE BOOK

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JUMBO LOAN

If you have heard of “jumbo loans,” you might be wondering what exactly is a jumbo loan? Whereas traditional mortgage loans have limits per county, jumbo loans can greatly exceed the county limits. Jumbo loans are a powerful tool for high-net-worth individuals and/or well-qualified borrowers to obtain alternative financing where traditional lenders say “no,” by qualifying based on credit, income, and assets. 

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STATED INCOME LOAN

A Stated Income Loan allows self-employed borrowers to qualify based on the amount of deposits into their bank account, where the cash flow is sufficient to cover the new mortgage payment and all other debts. Stated income loans were created for self employed buyers and homeowners that do not qualify for a home loan due to the low income on their tax returns.

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BRIDGE LOAN

Hard money loans are an alternative to traditional bank lending that allows flexibility and expediency. Hard money lenders and hard money loans are not required to conform to the same guidelines as traditional financing, such as the standardized Fannie Mae and Freddie Mac underwriting guidelines for loans to be repackaged and sold on Wall Street. Put simply, a hard money loan is a loan that is secured by a “hard” asset – i.e., real property.

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FIX AND FLIP LOAN

Fix-n-flips are a classic situation in which a hard money loan makes financial sense. In these situations, the loan is based on the after-renovated value. Once the property is finished being rehabbed, and realizes its full income-producing capacity (“stabilized”), the hard money loan can be paid off in 1 of 2 ways: sell the property, or refinance with a traditional lender now that the as-is value supports the loan.

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DEBT SERVICE COVERAGE RATIO LOAN

Sometimes called “Investment property loans” or “rental loans,” no tax return investment property loans do not consider a borrower’s income in the traditional sense. The “cash flow” is just the monthly rental amount the property brings in. For example, a property renting for $2,000/month would be attributed a qualifying income of $2,000/month. The main requirement for these investment property loans is that the monthly rents cover the monthly expenses.

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HOME LOAN

If you’re looking to purchase a home using the best California home loans, you will probably need to finance that home. Or if you already own a home you may want to refinance your current home loan to get a better rate, or to pull equity (cash) out of your home to renovate your kitchen. California home loans fall into 2 major categories: (1) Owner-occupied, and (2) Investment (non-owner occupied). There are many similarities between the two, but also some key differences

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VA LOAN

FHA loans are government-backed through the Federal Housing Administration (FHA). They also allow for the smallest down payment of all loans, 3-3.5% or even no down payment when utilizing a down payment assistance program. While VA loans are government-backed loans through the US Department of Veteran’s Affairs (VA), and offer incredible rates and terms to veterans, active-duty military, reservists, and unmarried surviving spouses.

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FHA LOAN

FHA loans are government-backed through the Federal Housing Administration (FHA). They also allow for the smallest down payment of all loans, 3-3.5% or even no down payment when utilizing a down payment assistance program. While VA loans are government-backed loans through the US Department of Veteran’s Affairs (VA), and offer incredible rates and terms to veterans, active-duty military, reservists, and unmarried surviving spouses.

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LOT & LAND LOAN

Valor Lending offers an incredible array of Land Loans, Lot Loans & Construction Loans. Including Custom Homes, Spec Homes, Commercial Buildings of any type; Apartment Buildings, Office Buildings, Mixed Use Buildings, Self Storage Facilities, Medical Buildings, Hospitals, Industrial Buildings and many more

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CONSTRUCTION LOAN

Top Ground Up Construction Loans. Are you looking to build you forever dream home? Where do you start? Let Valor Lending Group guide you thought the process to ensure the right loan for you. Valor Lending Group features the very Best California Ground Up Construction Loans. Whether you are seeking to build a custom home for your primary residence, a spec home to sell for a profit, or a commercial construction loan.

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COMMERCIAL LOAN

Finding the Best Commercial Mortgage Loan is in an entirely different category than residential lending. Commercial property loans are often vastly different than loans for residential properties. Although they both pertain to real property, and sometimes even income-producing property on the 1-4 unit residential side, commercial loans are simply more complicated than residential loans.

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Our own Stephan Prescher explains the benefits of buying and flipping a home.

WHAT OUR CUSTOMERS ARE SAYING

Benjamin Johnson
Benjamin Johnson
May 17, 2024.
James Romero worked hard for months to get our refinance completed even when the mortgage company was making constant changes. We had a strange property that complicated things and we may not have completed the process at all without his help. He was always friendly while keeping communications open and thorough. Thanks James! -Ben&Michelle Johnson
Ron Busby
Ron Busby
May 8, 2024.
Stephan Prescher my main contact guided me though the loan process with expertise and confidence. I highly recommend Valor Funding and Stephan Prescher. I plan on using Valor Again. Thanks Stephan.
Tom Armstrong
Tom Armstrong
May 2, 2024.
Michael is a very hard worker and an expert in finance of all types, He obtained a refinance for my home. The entire transaction from discussion, to application to funding was smooth and effortless. The loan amount requested and funded was exactly as promised. We are now working on funding upcoming property purchases. I am 100% confident that Michael can get them done and closed without hassle.
Brendan Davis
Brendan Davis
April 20, 2024.
William With Valor was more than exceptional during my refinance process. He always was communicative, professional and fought for my best interest throughout the process. I will be coming back again for future service.
Arkan Hamana
Arkan Hamana
April 9, 2024.
Stefanie Prescher and Valor Lending are the Best!! I have done several realestate transactions with them and they always preform. Stefanie is very honest and gets the job done.
Marcus Cintas
Marcus Cintas
April 4, 2024.
Darren is very patient and knowledgeable and comes up with lending solutions for even the most out of the box scenarios. I highly recommend working with him!
Lee Her
Lee Her
April 4, 2024.
Stephan Prescher!!!, Professional and highly recommended! Thank you again!
Gordon Miles
Gordon Miles
March 27, 2024.
Amazing Service. Very responsive and highly recommended.
Sara Blevins (Real Estate Associate)
Sara Blevins (Real Estate Associate)
March 25, 2024.
We had a great experience with Valor Pride lending! James Romero was great! He answers all your questions in timely manner which is hard to find in this industry. He gave my clients a great rate and closed smoothly! And I end up using him on my own investment property, I couldn’t be happier! If you are looking for great rate, experience and smooth transaction, call James Romero! He is licensed In different states!!
KC C
KC C
March 22, 2024.
Thank you James Romero. It was a pleasure working with you and you were very timely and efficient on our new home loan.

AWARDS AND ACCOLADES

Derren Carlin Legend San Diego Cover

Darren Carlin, CEO is featured in Legend San Diego Magazine

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