New No DTI Calculated Loan Program | Valor Lending Group
Are you interested in learning about our new no DTI calculated loan program?
Valor Lending Group has got your COVERED!
Valor is happy to announce that we are currently licensed in California, Arizona and NOW FLORIDA!
We are excited for the opportunity to serve up EVERY loan in the book to the beautiful sunshine state and look forward to raising the bar in mortgage loan financing!
These loans are beneficial for self-employed individuals and small business owners with volatile or irregular income, retired individuals, seasonal and gig workers. Also, real estate investors, owners and employees of cash businesses and newly self-employed. If you are transitioning from recent health, family or other life events an asset qualification loan would be a great avenue for you to go down. This type of loan would also be beneficial for someone that is attempting to tap into their tapped home equity, recent immigration and individuals with disqualified income.
If you are looking for a primary residence or second home I’ve got you covered! You will qualify for this loan program by credit underwritten based on LTV, FICO and Liquidity. You will NOT have to show any income documentation, there is NOT any debt-to-income ratio, income will NOT be stated. Having a FICO score beginning at 640 and reserves for 3 months could get you qualified NOW!
Program Highlights:
- Primary Residence and Second Homes
- Credit Underwritten Based on LTV, FICO, and Liquidity
- Income Documentation Not Required
- Income Not Stated
- Debt-to-income (DTI) Not Calculated
- Loan Amounts Up to $3 Million
- Up to 80% LTV
- FICO Beginning at 640
- Reserves from 3 Months
- Asset Seasoning: 30 Days
INCOME DOCUMENTATION NOT REQUIRED!
INCOME NOT STATED!
DEBT-TO-INCOME (DTI) NOT CALCULATED!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Hard Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
$1,950,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 70% LTV | Berkeley, CA
$3,100,000 Loan amount | 12 Month Bank Statement Loan | Purchase | 43% LTV | Coronado, CA
$1,790,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | Berkeley, CA
$1,008,000 Loan amount | Full Doc Jumbo Loan | Purchase| 80% LTV | Anaheim, CA
$1,740,000 Loan amount | Hard Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 62% LTV
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV! | Ventura, CA
$2,100,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina
And many more.
We do them all, so give me a call!
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
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
- 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)
- 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:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 Million / 10% down Jumbo to $1.5mm
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1 Million Value
- Refinance including Cash Out
**Rates and terms subject to change without notice
We are never too busy for your referrals.
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