Buying a Luxury Home in Miami, Palm Beach, Boca Raton or Naples? This is for you
If you’re considering purchasing a luxury property in Miami, Palm Beach, Boca Raton or Naples, having the right financing strategy can be just as important as finding the right property.
At Valor Lending Group, we offer flexible Jumbo and Luxury Home Financing solutions designed for high-value properties and borrowers whose financial profiles may require more than a traditional mortgage approach.
Work directly with Laura Licea to structure the right strategy—purchase or cash-out refinance.
Why Use Jumbo Loans?
- More buying power for luxury and coastal properties
- Options for primary homes, second homes, or investments
- Flexible guidelines for unique financial situations
- Potential to avoid mortgage insurance
- Competitive options—even with higher debt-to-income ratios
Interest-Only Jumbo Loans
Lower initial payments + more flexibility to manage cash flow and keep your capital working. Options may include 40-year terms and ARM programs (5/1, 7/1, 10/1).
Jumbo Bank Statement Loans
Perfect for self-employed borrowers. Qualify using bank statements instead of tax returns—ideal for business owners and entrepreneurs.
You qualify for a Jumbo Loan in the same way as a conventional or high balance loan, with full documentation, such as 2 years tax returns, W2s, most recent pay stubs, etc.
Valor Jumbo Mortgage Loans | Highlights:
- 90% Max LTV | As Low as 10% Down!
- 40-year fixed term with IO
- Max Loan Up to $10MM!! (Most lenders cap at $2M-$3M)
- Flexible Guidelines
- 15, 20, 25 & 30 Year Fixed Interest Rates
- Non-occupant co-borrower + Gift Funds
- Interest-Only with 680 + Fico
- 90% LTV cash out (Up to $1.5M)
- 2-year seasoning – short sales + bankruptcy
- 3-years seasoning – foreclosure
- As low as 600 Fico
- DTI Allowed up to 50%
- Valor boasts the very best communication, service, rates and performance in the industry
- Valor ensures the very best pricing by shopping with many direct lenders so you don’t have to!
We also offer:
- Bank Statement Loans
- Hard Money Loans
- FHA Loans
- Doctor/Dentist/Vet Loans
Call or email me for immediate attention to your scenario!
Valor Lending Group offers EVERY mortgage loan in the book!
I look forward to an opportunity to demonstrate my prompt and professional service.
Recap of our Loan Products
- Hard Money Loans (20% down / minimal documentation) Typically Fund 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 $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage 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’sup to $2.0mm
- Manufactured Housing
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- Conventional Conforming Loans
- High Balance Conforming
- Jumbo Loan Financing | 10% down Jumbo to $2.0MM
- FHA, USDA
- Reverse mortgages up to $1 Million Value
- 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
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Did we miss anything?
- Call or Email me (Laura Licea) if there is any information that we have missed
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