Memorial Day Loan Hacks to Know Now | Valor Lending Group
Ready to Celebrate Memorial Day with a New Home?
There’s no better time to turn your homeownership dreams into reality than this Memorial Day weekend! Use these Memorial Day Loan Hacks to Know Now and breeze through the loan process with speed and confidence.
Buying a home is a major milestone but preparation is key. Start by checking your credit score, understanding your income and assets, and researching loan programs that fit your unique needs. These simple tips can make a big impact.
Follow these smart strategies to save time, reduce stress, and get one step closer to the keys in your hand. Let’s make this Memorial Day one to remember – with your dream home on the horizon!
Contact me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
7 Easy Memorial Day Loan Hacks to Know Now
This Memorial Day, while others are grilling burgers and soaking up the sun, you could be getting one step closer to homeownership. Take advantage of the holiday momentum with these 7 Easy Memorial Day Loan Hacks to Know Now that will save you time, energy, and stress.
1. Keep Your Credit in Heroic Shape
Think of your credit score as your financial uniform. Keep it polished and ready.
- Aim for:
- Excellent: 750+
- Good: 700–749
- Fair: 650–699
- Poor: 600–640
- Keep credit card balances under 40%
- Maintain at least 3 open and active credit accounts
2. Pay Rent Like a Pro
If you’re renting, pay by check! Lenders love a paper trail. Showing 12 months of documented rent payments can make all the difference when it’s time for underwriting.
3. Be Battle-Ready with Employment Docs
Gather two years of W-2s, full tax returns, and 30 days of recent pay stubs. Got employment gaps? Don’t worry, just be prepared to explain them honestly and clearly.
4. Keep Bank Activity Clean and Clear
Lenders will analyze every line. Avoid large deposits or withdrawals that can’t be traced. Make sure all funds used toward your transaction, whether it’s your down payment or closing costs, are well-documented.
5. Down Payment Strategy = Mission Critical
Know what you’ll need upfront. Some loan programs (like VA or first-time buyer loans) offer reduced down payments, but always plan for closing costs and have backup funds if possible.
6. Get Pre-Approved – Fast
Pre-approval is your green light in a competitive market. At Valor Lending Group, we offer same-day pre-approvals so you can house-hunt with confidence this Memorial Day weekend and beyond.
7. Team Up with a Local Real Estate Expert
A knowledgeable local agent is your secret weapon. They’ll help you find the right property, negotiate like a pro, and move fast when it counts.
Ready to launch your homeownership journey this Memorial Day?
Call me Hayden Madison at 858-349-7538 or send an email.
Let’s get you pre-approved and on your way to a place you’ll be proud to call home.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me directly at 858-349-7538, and turn your dreams into reality today!
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
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
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
