Bank Statement Loan Program
Now only 680 Credit Score Required
90% LTVs/CLTVs up to $1.5M (10% down)
• No tax returns/4506T
• Minimum 600 FICO
• DTI up to 55% with a minimum 680 FICO
• LTV up to 90% with a minimum 680 FICO
• 12 months of bank statements
• Personal OR Business
• Flexible options to qualify
• W2, retirement income, rental income & Asset Amortization
CAN be used.
• Use 100% of checking, savings, stocks, bonds, retirement funds
to meet reserve requirement
• Cash out up to $2M
Valor Lending Group also offers literally every loan in the book! Check out our programs below and please do not hesitate to call on me for any scenarios. I look forward to an opportunity to demonstrate my prompt and professional service.
Recap of our Loan Products:
- Hard Money Loans (28-35% down / minimal documentation) Typically Fund in 7-10 days.
- Stated Income Loans (Great for business owners and self employed ) No tax returns!
- 100% financing is available (we can cross collateralize other properties if there is enough equity)
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5mm
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
- High Balance Conforming aka Super Conforming (from $453,100-$649,750)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, VA, USDA
- Reverse mortgages up to $1 Million Value
- Refinance including Cash Out
We are never too busy for your Referrals!
CA BRE# 01970140
Valor Lending Group
“Pride in Lending”
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Direct: (616) 485-8784
Fax: (619) 255-0602