Date

Bank Statement Loan Program

Now only 680 Credit Score Required

90% LTVs/CLTVs up to $1.5M

PROGRAM HIGHLIGHTS

• 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:

1. Hard Money Loans (25-50% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans  (No Tax Returns, no W-2s, No P&L)
3. Bank Statement Income Loans (Great for business owners and self employed )
4. 100% financing is available (we can cross collateralize other properties if there is enough equity)
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
6. Flipper Loans (Flip a property with one of our many options)
7. 2^nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 10% down Jumbo’s with NO MI up to $2.5mm
12. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional – LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)
17. 5% down Jumbo (Up to $1.5mm Lender paid PMI)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $453,100)
2. High Balance Conforming aka Super Conforming (from $453,100-$649,750)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm
4. FHA, VA, USDA
5. ARM’s
6. Reverse mortgages up to $10 Million Value
7. Refinance including Cash Out

I am able to take a Loan Application on a moment’s notice & will be happy to provide Pre approval letters.

Please do not hesitate to call on me if I may be of service in any way! owilberg@valorlending.com OR #916-873-3086