Best Loans for Florida Luxury Homes | Valor Lending Group
Curious about the benefits of jumbo loans for luxury homes in Florida?
Whether you’re a real estate investor, self-employed, or prefer traditional full documentation, Valor Lending Group offers tailored jumbo loan solutions designed to meet your specific needs. We specialize in providing flexible, high-value financing for primary residences, second homes, and investment properties. Let me help you explore the Best Loans for Florida Luxury Homes to ensure you get the right financing for your dream property.
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?
We 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!
Contact me, Mikey Bullard, today directly at 619-723-8623, or email me at Mbullard@valorlending.com
Best Loans for Florida Luxury Homes
Are you ready to finance the luxury property of your dreams in Florida? Jumbo loans are the perfect financing option for high-value homes that exceed the conforming loan limits set by Fannie Mae and Freddie Mac. At Valor Lending Group, we offer a wide range of jumbo loan solutions tailored to fit the unique needs of luxury homebuyers, investors, and self-employed borrowers.
Why Jumbo Loans Make Sense for Luxury Homes
Jumbo loans are specifically designed to finance high-end homes that require larger loan amounts than conventional mortgages allow. With financing options up to $30MM, competitive rates, and flexible down payment requirements, these loans provide the flexibility and purchasing power you need for exclusive properties.
Key Features of Jumbo Loans
- Loan-to-Value (LTV) up to 90% with as little as 10% down
- Flexible terms include 15, 20, 25, 30, or 40 years, fixed with interest-only options available
- Credit scores as low as 600 may qualify
- Financing up to $30MM for luxury estates
- Flexible seasoning after financial events like short sales or bankruptcies
- Cash-out refinance options up to 90% LTV for loan amounts up to $1.5MM
Who Can Benefit from a Jumbo Loan?
These loans are ideal for high-income borrowers, real estate investors, and self-employed individuals looking to purchase or refinance luxury homes in exclusive Florida communities. Whether you’re buying a primary residence, a second home, or an investment property, I’ll help you customize the right jumbo loan to fit your goals.
Benefits of Jumbo Loans for Florida Homes
- Unlock financing for high-value homes in prestigious neighborhoods
- Flexible income documentation options for self-employed buyers
- Skip mortgage insurance with certain lenders for added savings
- Custom terms to match your financial strategy
Things to Consider
- Jumbo loans may have slightly higher rates than conforming loans
- Stricter reserve and documentation requirements may apply
- Debt-to-income (DTI) ratios may be more conservative
In addition to jumbo loans, Valor Lending Group offers bank statement loans, private money loans, and FHA financing, so there’s always a solution – no matter your situation. Let me help you explore the Best Loans for Florida Luxury Homes and secure the financing that fits your lifestyle and financial goals.
Step into the life you deserve. Call me, Mike Bullard, today at 619-723-8623, and unlock the door to your dream life!
Recently Funded | Valor Lending Group
$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
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$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.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Mike Bullard, today at 619-723-8623.
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
