Why Fico Credit Scores Are So Important
The question of Why Fico Credit Scores Are So Important can easily be explained. The most obvious area of your financial life where good credit is crucial is lending. In an ideal world, people can pay cash for everything they want and need. But the reality is that most consumers need financing to buy a house or a car. This article from Banks.com explains the importance of a good credit score…more here. Beyond knowing why Fico Credit Scores are so Important, another question may come to mind.
Why use a Broker? | Valor Lending Group
When working with Valor Lending, you are not just a number. You will receive a personalized experience.
We pride ourselves on our communication and professionalism and thoroughly consider your personal loan scenario to attain the best loan for your particular need.
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!
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 and Arizona’s most influential mortgage brokerage. Let us help you find the best loan program. We also offer Commercial and investment property loans, VA loans, Conforming and Non-Conforming loans, and virtually “Every Mortgage Loan in the Book.”
Give me a Call Today. I am standing by to answer any questions you have concerning your loan scenario.
Recap of our Loan Products
- Hard Money Loans (35% down / minimal documentation) are Typically Funded in 7-10 days.
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 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 with NO MI up to 2MM / 10% down up to $3mm
- 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)
- **Terms and conditions can change daily without notice
Other Programs We offer:
- Conventional Conforming Loans
- High Balance Conforming
- 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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