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EVERY MORTGAGE LOAN IN THE BOOK

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.

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.

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.

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.

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.

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

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.

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.

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

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.

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
raul pelayoJune 2, 2025. thanks laura for all your help Cristina LiceaJune 2, 2025. Laura is very professional & Knowlegable and helped me step by step with my mortgage loan application, I would definately recommend her and Valor Lending Group Kevin LaskowskiMarch 20, 2025. Adam did a great job getting us our loan. He was very knowledgeable and guided us through the whole process. Highly recommended! Elli MaciasMarch 19, 2025. I had the pleasure to work with Valor Lending especially Stefanie and I can say my experience was wonderful. Stefanie was communicative with every part of the process and was available when we had any questions. I highly recommend them to anyone looking to invest or purchase a new home. PnS WhitcombFebruary 20, 2025. Working with Will Douillette for our commercial loan was an outstanding experience from start to finish. Their team was professional, knowledgeable, and incredibly responsive throughout the entire process. They took the time to understand our business needs, provided clear guidance, and tailored a financing solution that worked perfectly for us. What stood out the most was their efficiency and dedication. They kept us informed at every step, ensuring a smooth and stress-free process. The level of expertise and customer service they provided made securing our loan seamless and straightforward. I highly recommend Will and Valor Lending Group to any business owner looking for a reliable and trustworthy commercial mortgage lender. Their commitment to excellence and client satisfaction is truly unmatched! Gabriela RamirezDecember 24, 2024. It was a very pleasant experience working with Laura Licea, she is a very professional loan officer and was very responsive to all of our questions... She help us greatly with our refinancing process.. We would love to work with her again.. Thanks Laura Shaun TNovember 20, 2024. ⭐⭐⭐⭐⭐ We had an outstanding experience working with Valor Lending Group! From start to finish, their team made the loan process smooth and stress-free. They were incredibly knowledgeable, always available to answer my questions, and guided us step-by-step through every detail. We especially appreciated how they constantly made themselves available to us during the process. What stood out most was their genuine commitment to helping us secure the best possible deal. The process was quick, efficient, and surprisingly straightforward—far beyond what we expected. If you’re looking for a trustworthy and professional loan processing company, we can’t recommend them enough. They truly go above and beyond for their clients! Thanks Darren and team!! Esmeralda ZamarripaNovember 14, 2024. Our loan officer, Laura Licea, Has been very professional through the whole process, transparent, very informative and responsive Angela HernNovember 14, 2024. Michael and Samantha did an amazing job on getting a very difficult loan through for me. When others couldn’t he was able to get it done. I highly recommend Michael Boulard and his team at Valor Rick TiradoNovember 14, 2024. Valor Lending to the rescue! Stefanie Prescher is truly a superhero. Stefanie and her team signed up for the impossible when she took my initial call. I was already under a purchase contract and I was down to three weeks to close two out-of-state investment properties. Stefanie worked around the clock to find me a new lender with the best rates on the market. Stefanie was incredibly responsive to all curve ball my deals threw at us. Stefanie and her team performed above-and-beyond to get the loans funded. Great work Stefanie and team!Google rating score: 4.9 of 5, based on 123 reviews