California Special: Bank Statement Loan Programs

1-4 Units Bank Statement Deposit Loans–We can fund your loan without tax returns or W2s!

Bank Statement Deposit Loans are ideal for people who are self-employed, realtors, and consultants to name a few. Our bank statement team saves you time by reviewing statements, analyzing deposits and calculating income for submissions.

**UPDATE: Now only 12 months self-employment needed to qualify

Bank Statement Deposit Program Highlights:

• Up to 90% LTV no MI
• Credit scores down to 600
• 12 months personal bank statements
• 12 or 24 months business bank statements (must own at least 50% of the business past two years)
• Loans up to $3M
• DTI up to 50% considered
• Owner-occupied, 2nd homes and investment properties
• Interest-only available
• No tax returns required

Call or email me for immediate attention to your scenario.

Valor Lending Group also offers literally every loan in the book! Check out more information on 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. Stated Income Loans (No Tax Returns, no W-2s, No P&L)
2. Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed)
3. Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days.
4. Flipper Loans (Flip a property with one of our many options)
5. Line of Credit
6. Foreign Nationals Loans (no social security or residency required)
7. Raw Land or Lot Loans
8. Ground up Construction for spec homes, custom homes and commercial ground up.
9. 2nd-Position Loans up to $5mm
10. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
11. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
12. 10% down Jumbo’s with NO MI up to $2.5mm
13. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
14. Acreage Properties
15. Commercial Loans up to $500mm
16. 5% down Jumbo (Up to $2mm Lender paid PMI)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
2. High Balance Conforming aka Super Conforming (from $484,350-$726,525)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, VA, USDA
5. ARM’s
6. Reverse mortgages up to $10 Million Value
7. Refinance including Cash Out