Stated Income Loans in Southern California

Stated Income Loans in Southern California | Valor Lending Group

Need a Mortgage but Don’t Know Where to Start?

If you’re self-employed, a business owner, investor, entrepreneur, or high-income professional, obtaining a traditional mortgage can sometimes feel frustrating. Many qualified borrowers earn substantial income but have tax returns that don’t accurately reflect their true earning power.

That’s where the New Stated Income Loan Program from Valor Lending Group can help.

We specialize in helping borrowers secure financing when conventional lending guidelines fall short. Whether you’re purchasing a luxury home, refinancing an existing property, or expanding your real estate portfolio, our team can help you find the right mortgage solution—often faster and with less paperwork than traditional loans.

Stated Income Loans Available NOW!

CALL or EMAIL ME

What Is a Stated Income Loan?

A Stated Income Loan allows qualified borrowers to demonstrate their ability to repay a mortgage without relying solely on traditional tax returns. These programs are designed specifically for:

• Self-employed borrowers
• Business owners
• Independent contractors
• Real estate investors
• Gig economy professionals

Best Stated Income Loans | 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 660
• Reserves from 6 Months
• Asset Seasoning: 30 Days

INCOME DOCUMENTATION NOT REQUIRED!

Serving Southern California’s Most Desirable Communities

Valor Lending Group proudly serves borrowers throughout Southern California’s premier real estate markets, including:

• Los Angeles
• Beverly Hills
• Santa Monica
• Malibu
• Newport Beach
• Laguna Beach
• Irvine
• Orange County
• San Diego
• La Jolla
• Del Mar

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. 10% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
12. Manufactured Housing
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional Loans–
16. 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 $3MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages
7. Refinance including Cash Out

**Rates and terms subject to change without notice