CA Top Hard Money Loans

CA Top Hard Money Loans | Valor Lending Group

Are you looking for an investment property?

Are you buying a new investment property and need to pull cash out of other real estate owned for the down payment?

Look no further, Valor Lending Group has the loans to make the process for whatever you are embarking on quick and pain free. 

We Offer EVERY loan in the book and work with the very best to get you funded and on your way to your next endeavor. 

If you have good credit, income history, and no issues like foreclosures, using conventional financing through a bank is the appropriate way to go. It would be the best avenue for a borrower that has the time to go through the lengthy process of conventional financing required by a bank. If you don’t have the time needed for the conventional loan process, a hard money loan would be the way to go.

Hard money loans, also known as Bridge loans, Flip Loans, and Cross-collateral loans are types of loan programs that real estate investors often use. It is not like a traditional loan, you cannot acquire one through any conventional lender, most traditional lenders do not offer hard money loans. Private individuals or companies are who you will deal with instead of banks when using a hard money loan program. Choosing the hard money loan route is generally quicker and more straightforward for many borrowers. Although it can be a quicker process the interest and fees will go up and it will be more costly.

Valor Lending Group has the right connections to get a hard money loan locked and loaded for you today.

CALL or EMAIL

CA Top Hard Money Loans

Valor Bridge Owner Occupied:

Do you need to pull cash out of your primary residence for a business purpose?

• Property being used as the borrower primary residence
• terms of up to 11 months
• Max LTV of 75% on 1st TD | Max CLTV 65% on 2nd TD
• No Prepayment Penalty
• Interest Only starting in the 7’s

*Owner occupied for California Properties ONLY

Valor Investment Property | Non owner occupied:

Property being used as the borrowers investment property.

• Terms 1 to 5 year
• Max LTV of 80%
• No Prepayment Penalty
• Interest Only starting in the 7’s

Valor Cross- Collateral Loan:

Do you have a portfolio with properties that have available equity? 

• Cross for 100% financing  when crossing other real estate owned at 65% CLT for 100% Financing
• Terms of 1-2 years
• Max CLTV of 65%
• No Prepayment Penalty
• Interest Only starting in the 7’s

**no Appraisal Subject to lender discretion on a case by case basis

Other Programs Available | CA Top Hard Money Loans: 

• Best Hard Money Options
• Fix and Flip Loans
• Save your Deal | We Save Deals

Advantages and Disadvantages of Hard Money Loans:

1) Pros of Hard Money Loans

• Speed – Streamlined Process – Faster than traditional loans
• Flexible temporary financing solutions
• Viable option to finance rehab and value add projects
• Less focused on credit history
• Minimal documentation and asset verification
• Interest-Only Payments available

2) Cons of Hard Money Loans

• Larger down payment may be required
• Generally, more expensive than traditional loans
• Balloon payment requires good take out strategy (this is not a con for savvy investors!)

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. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
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. Conventional Conforming Loans (under $510,400)
2. High Balance Conforming (from $510,400-$765,600)
3. Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

We look forward to the opportunity to serve you!

Google Reviews

Check out more of what we offer. Check out Valor’s Mortgage News to learn more!