Your Journey Begins

Your journey begins with a single step.

Give me a call and lets get you a pre-approval for the right program and watch as your journey begins.

Whether you’re buying your first home or deciding on where to retire we will help you find the right mortgage for the right home.

Below are some helpful tips to make your home buying purchase easier at any stage of life.

YOUR JOURNEY BEGINS with BUYING YOUR FIRST HOME?

Budget: Know what you can afford
Decide: Narrow down where you want to live and find the home you want to purchase
Credit: Clean up your credit and avoid any big purchases
Research: Know your borrowing options

EXPANDING YOUR FAMILY?

Budget: Know how much more home you’ll need.
Decide: Will you buy a larger home or renovate your current home to accommodate your needs
Refinance Option: Have equity in your home? You may qualify for a cash-out refinance to expand your current home.

ADVANCING IN YOUR CAREER

Budget: Know what you can afford with your new salary
Decide: Will you sell your current home or rent it out as an investment property?

VACATION HOME

Location: Choose your location carefully
Rent: in the area you choose first to make sure you are ready to buy there
Budget: Make sure you’re able to financially manage and maintain all your properties
Taxes: Be aware of the tax implications of buying a house in your vacation homes area

RETIREMENT

Research: Areas where you might want to live
Research: Tax implications and how i t will affect your monthly budget

CONSIDERING A DISTRESSED PROPERTY FIXER-UPPER, OR HOME IN NEED OF SOME REPAIRS?

Homes that need a little work can often be a great bargain turned investment. Renovation loans allow financing of the purchase price plus the cost of repairing or renovating the home in one mortgage loan

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:

Hard Money Loans (20% 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)
Valor VA Home Loan 100% financing up to $1.5MM
Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
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:

Conventional Conforming Loans (under $510,400)
High Balance Conforming (from $510,400-$765,600)
Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
FHA, USDA
Reverse mortgages up to $1 Million Value
Cash Out Refinancing

Many more!

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