No Tax Returns? No Problem! Best Mortgage Loans

No Tax Returns? No Problem! Best Mortgage Loans by Valor Lending Group. Ideal for the self-employed borrower. Instead of using tax returns, W-2s and pay stubs, our bank statement loan uses the total deposits into your bank account and calculates the income over a 12 to 24 month period. Self employed borrowers tend to write off a large amount of their income as expense on their tax returns.

This loan program is available for loans from $100,000 all the way up to Jumbo loans as high as $3,000,000 for purchase or refinance.

No Tax Returns? No Problem! Best Mortgage Loans | Our bank statement program provides the following features:

• No Tax Returns? No Problem! Best Mortgage Loans

• Up to 85% LTV

• Credit scores starting at 660

• 4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu

• No tax returns require

• Loans up to $3 million

• Purchase and cash-out or rate-term refinance

• 2 years self-employed required (must own at least 50% of the business)

• 24 month business bank statements

• Owner-occupied, 2nd homes and non-owner occupied

If you would like more details on qualification and requirements, I am available to answer any questions you may have.

Call or email me for immediate attention to your scenario!

Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.

Valor Lending Group also offers literally every loan in the book! Check out more information on our programs CLICK HERE 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 (20% down / minimal documentation) Typically Fund in 7-10 days.

2. Stated Income Loans (Great for business owners and self employed ) No tax returns!

3. 100% financing is available (we can cross collateralize other properties if there is enough equity)

4. Valor VA Home Loan 100% financing up to $1.5MM

5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow

6. Flipper & Rehab Loans (Flip a property with one of our many options)

7. 2nd 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. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm

12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)

13. Acreage Properties

14. Commercial Loans up to $500mm

15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)

16. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $510,400)

2. High Balance Conforming aka Super Conforming (from $510,400-$765,600)

3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm

4. FHA, USDA

5. ARM’s

6. Reverse mortgages up to $1 Million Value

7. Refinance including Cash Out

Many more!

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