Recap of our Loan Products:  

• Stated Income Loans (Great for business owners and self employed)
• Foreign Nationals Loans (no social security or residency required)
•Hard Money Loans (20-50% down / minimal documentation) Fund in 7-10 days.
•Raw Land & Lot Loans
•Ground up Construction for spec homes, custom homes and commercial ground up.
•2nd Position Loans up to $5mm
•Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
•Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
• Flipper Loans (Flip a property with one of our many options)
•10.1% down Jumbo’s with NO MI up to $2.5mm
•Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
•Acreage Properties
•Commercial Loans up to $100mm
•5% down Conventional (Lender paid PMI)

We also offer: 

•10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $453k)
•High Balance Conforming aka Super Conforming (from $453k-$649k)
•Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm / 5% down                Jumbo to $1.5mm
•FHA, VA, USDA
•ARM’s
•Reverse mortgages up to $10 Million Value
•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!

Christopher Lapping /Valor Lending Group / 808-494-6502 / CLapping@ValorLending.com