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Valor Lending has gathered the best tips to buy your first home

Are you ready to purchase a home of your own?

Are you interested in learning the best tips to buy your first home?

Purchasing a home can be very stressful, especially if you don’t know where to start. When getting ready to purchase a home there are certain things to consider.

Valor Lending Group is here to help you purchase your new home TODAY!

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Here Are 7 Tips To Help Your Loan Process Go Quickly and Smoothly

1. Make sure your credit is in good shape

• Check your credit score
  • Excellent Credit: 750+
  • Good Credit: 700-749
  • Fair Credit: 650-699
  • Poor Credit: 600-640
• Try to get your credit card balances below 40% of the limit
• It’s best to have at least 3 open and active accounts listed on your credit report

2. If you’re renting, pay by check

• Having documented proof of your last 12 months of payments is often required by the lender

3. Obtain proof of employment for the past 2-years

• W2s and tax returns
• Paystubs covering 30 days
• Be prepared to explain any gaps in employment

4. Avoid large deposits or withdrawals from your bank account

5. Determine a down payment amount based on your available funds

6. Obtain a pre-approval letter from an Independent Mortgage Professional

7. Research a local real estate agent

VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!

CALL or EMAIL for immediate attention to your scenario!

Valor Lending Group is committed to serving our Veterans and their families.

We give 5% of proceeds to a local Veteran charity on every VALOR VA Mortgage Loan

CALL or EMAIL ME for immediate attention to your scenario!

We look forward to serving you up with one of our New VA Mortgage Loan Options TODAY!

Please do not hesitate to call on me for any scenarios. 

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. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
12. Acreage Properties
13. Commercial Loans up to $500mm
14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
15. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 Million / 10% down Jumbo to $1.5mm
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1 Million Value
7. Refinance including Cash Out

CALL or EMAIL for immediate attention to your scenario!

**Rates and terms subject to change without notice

For the most up to date mortgage news visit: Mortgage News Daily

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Did we miss anything?

• Call or Email me (Leo Gutierrez) if there is any information that we have missed
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• Ask us for a quote
• Visit our homepage to check out what Valor Lending Group has to offer