RATES ARE DROPPING

100% Financing VA Loan Rates are now in the 4’s

4.875% Interest Rate (5.001% APR) on a $800K purchase 780 FICO

5% Down High Balance Conventional Loans are in the low 5’s

5.499% Interest Rate (5.91 APR) on a $800K purchase 780 FICO

80% LTV on Jumbo Loans ar in the high 5’s 

5.875% Interest Rate (6.050 APR) on a $2.5M purchase 780 FICO

The Fed expects additional potential cuts in 2024, bringing the federal funds rate down from its current high. 

This could mean improved affordability and increased borrowing power.

While the outlook is promising, actual rate cuts will depend on economic data. 

Give us the chance to review your scenario a final time before years end, you don’t want to miss out on this opportunity!

Realtors

We Save Deals

VALOR OFFERS EVERY MORTGAGE LOAN IN THE BOOK!

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!

Valor Lending Group can fund your fast hard money loan up to $10mm in as little as 7 days often times without an appraisal.

Valor Lending Group offers EVERY loan in the book!

Check out our programs below and please do not hesitate to call on me for any scenarios.

I look forward to an opportunity to demonstrate my prompt and professional service.

Recap of our Loan Products

1. 1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.

1. 1. Stated Income Loans (Great for business owners and self employed ) No tax returns!

1. 1. 100% financing is available (we can cross collateralize other properties if there is enough equity)

1. 1. Valor VA Home Loan 100% financing up to $1.5MM

1. 1. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!

1. 1. Flipper & Rehab Loans (Flip a property with one of our many options)

1. 1. 2nd Position Loans up to $5mm

1. 1. Raw Land & Lot Loans

1. 1. Ground up Construction for spec homes, custom homes and commercial ground up.

1. 1. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)

1. 1. 10% down Jumbo’s up to $1.5mm

1. 1. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)

1. 1. Acreage Properties

1. 1. Commercial Loans up to $500mm

1. 1. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)

1. 1. Foreign Nationals Loans (no social security or residency required)

We Also Offer:

1. 1. Conventional Conforming Loans

1. 1. High Balance Conforming

1. 1. Jumbo Loan Financing | 10% down Jumbo to $1.5mm

1. 1. FHA, USDA

1. 1. Reverse mortgages up to $1 Million Value

1. 1. Cash Out Refinancing

**Rates and terms subject to change without notice

We are never too busy for your referrals!

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

Check out our GOOGLE REVIEWS

Did we miss anything?

• • Call or Email me (Stefanie Prescher) if there is any information that we have missed

• • Follow us on Social Media

• • Share this on your Social Media

• • Do not hesitate to give us your feedback

• • Ask us for a quote

• • Visit our home page to check out what Valor Lending Group has to offe