Why Jumbo Loans Are Perfect for Florida Luxury Homes | Valor Lending Group
Are you interested in finding out Why Jumbo Loans Are Perfect for Florida Luxury Homes? Whether you’re a real estate investor, self-employed, or prefer traditional full documentation, I’ve got the perfect jumbo loan options to suit your unique needs. At Valor Lending Group, I specialize in offering flexible, high-value financing for primary residences, second homes, and investment properties.
What Makes Jumbo Loans Ideal for Florida’s Luxury Market?
A Jumbo Loan is a premium conventional home loan that exceeds the lending limits set by Freddie Mac and Fannie Mae. This makes it the go-to choice for upscale properties that require larger loan amounts. With competitive rates and tailored terms, Jumbo Loans open doors to exclusive properties in Florida’s most sought-after neighborhoods.
Why Choose Valor Lending Group for Your Jumbo Loan Needs?
I will make luxury financing seamless by offering options that are designed to accommodate various borrower profiles. Whether you’re self-employed and require alternative income verification or have a straightforward qualification, I’m here to guide you every step of the way.
Discover how easy it is to secure the perfect financing for your dream Florida luxury home. Reach out to me today to explore your options and unlock the potential of Jumbo Loans tailored just for you!
Why Jumbo Loans Are Perfect for Florida Luxury Homes
Are you looking to finance the luxury home of your dreams in Florida? Jumbo loans offer the perfect solution for high-value properties that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. At Valor Lending Group, I specialize in providing flexible, tailored jumbo mortgage options designed to meet the unique needs of luxury homebuyers. Whether you’re purchasing, refinancing, or tapping into your home equity, Valor Lending Group has got you covered.
What Sets Jumbo Loans Apart?
Jumbo loans are ideal for financing larger, high-end homes that fall outside conventional loan limits. Unlike traditional mortgages, our programs offer up to $30 million in financing, flexible debt-to-income (DTI) requirements of up to 50%, and as low as 10% down payment options. You can also skip mortgage insurance with certain lenders, making this a smart choice for securing your dream home.
Key Jumbo Loan Features:
- Loan-to-Value (LTV): Up to 90% financing available with just 10% down
- Flexible Terms: 15, 20, 25, 30, and even 40-year fixed terms with interest-only (IO) options
- Credit-Friendly: Approvals as low as a 600 FICO score
- Generous Loan Limits: Financing up to $30 million
- Seasoning Flexibility: 2-year seasoning for short sales or bankruptcies; 3 years for foreclosures
- Cash-Out Options: Access up to 90% LTV for cash-out refinances, with loan amounts up to $1.5 million
Who Benefits from a Jumbo Loan?
Jumbo loans are perfect for high-income, asset-strong borrowers who want to finance luxury homes in exclusive communities. Whether you’re self-employed or a W2 wage earner, I’ll tailor our solutions to fit your financial profile, offering full documentation and stated income options.
Advantages:
- Access to luxury properties in top neighborhoods
- No mortgage insurance for qualified borrowers
- Customized terms for optimal financial flexibility
Considerations:
- Higher interest rates compared to conforming loans
- Stricter reserve and underwriting requirements
- Lower leverage and limited flexibility on debt-to-income ratios
Beyond jumbo loans, Valor Lending Group offers bank statement loans, private money loans, and FHA options, ensuring there’s a solution for every scenario.
Ready to start your journey toward luxury homeownership? Contact Hayden Madison, the Loan Officer of 2023, at Valor Lending Group today and discover how our jumbo loan solutions can turn your dream home into reality!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private 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 | Private 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 | Private 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 | Private Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Private 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 | Private Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina
And many more.
We do them all, so give me a call!
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) Typically, funds 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 $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- 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)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
