Why Choose Valor Lending Group?
You might be wondering why is Valor Lending Group | Best Lender In The Nation
When working with us, you are not just a number; you will receive a personalized experience.
We pride ourselves on our communication and professionalism.
We will work around the clock to help you acquire the best loan for your specific scenario.
Valor Lending Group offers EVERY mortgage loan in the book!
Why use a Broker vs. a Mortgage Banker?
Banks are good at banking. Mortgage Lenders/Brokers are good at mortgage loans.
Valor Lending Group | Best Lender In The Nation
You may have many questions when purchasing a new residential, rental investment property or commercial investment property. One is to determine if you should use a mortgage broker to assist in financing your transaction or go into your local bank branch.
Most people look to the bank for a home, rather than a mortgage broker.
What you may not know if that a mortgage broker is often the best choice and they are able to offer you more options on niche products than the bank.
What is the difference between a Mortgage Broker and a Bank?
Mortgage Broker:
- Licensed mortgage expert – consistently undergoes continuous training
- Specializes in mortgages only
- Partners with many lenders to offer multiple loan products, allowing you to choose the best option
- Often offers lower rates and cheaper costs due to less overhead
- Adapts to industry changes quickly
- Communication Communication Communication!
Bank:
- Are Not required to be licensed and are not held to the same standards and regulations as brokers in terms of testing and ongoing training
- Offer many other loan products (auto, boat, etc.), so mortgages are not their main focus
- Only able to offer limited loan products they have in-house – may not be the best fit for your needs
- Often higher rates
- Slower to adapt to change due to large organizational operations
- Lack of communication
Some additional facts about mortgage brokers.
Why Choose Valor Lending Group
Brokers primary expertise:
Brokers’ primary expertise is locating reliable funding sources for mortgage financing. We know where the best rates can be found because we can deal with multiple lenders simultaneously. Additionally, we have the knowledge required to present a proposal for financing to lenders in the best way possible to obtain mortgage financing successfully.
At Valor Lending Group, we take great pride in our service. We want you to know that we are committed to satisfying your needs since we rely on referrals and repeat business.
Brokers represent you, our customer, not the lender.
Brokers are not employees of a lending institution:
We are not limited in the products we can offer you. As your Broker, we seek out the best lender package to suit your specific situation, whether with a Chartered Bank, Trust, or Insurance Company.
Wide assortment of options and features available:
In contrast to banks, Brokers have a wide spread of options available to home buyers. Today shopping around takes a lot of time and effort. The mortgage process within today’s very competitive marketplace intimidates many California home buyers, so it pays to work with our mortgage professional, who will represent you and ensure that the mortgage you get is best suited to your needs.
Our mortgage brokers have access to the latest information from over 40 mortgage lending institutions and the negotiating power of California’s most influential mortgage brokerage. Let us help you find the best mortgage.
Recap of our Loan Products
- Hard Money Loans (20% down / minimal documentation) are Typically funded 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 the subject property’s cash flow – No DSCR Coverage is 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)
- 10% down Jumbo’s up to $1.5mm
- 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)
Other Programs we Offer:
- Conventional Conforming Loans
- High Balance Conforming
- Jumbo Loan Financing |10% down Jumbo to $1.5mm
- FHA, USDA
- Reverse mortgages up to $1 Million in Value
- Cash-Out Refinancing
*Terms and conditions can change daily without notice
We look forward to the opportunity to serve you!
For the most up-to-date mortgage news visit: Mortgage News Daily
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Did we miss anything?
- Call or Email me (David Christie) if there is any information that we have missed
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