Florida’s Gulf Coast continues to attract buyers looking for waterfront homes, luxury residences, second homes, and investment properties.
From the vibrant waterfront lifestyle of St. Petersburg to the coastal communities of Indian Rocks Beach, the established neighborhoods of Seminole, and the character of Gulfport, buyers have a variety of high-end real estate opportunities throughout the area.
I’m Laura Licea, Senior Loan Officer at Valor Lending Group. I’ve made it my mission to help investors win more deals with quick approvals, customized loan structures, and direct access to private lenders who can move at the speed this market demands.
Buying a Luxury Home on Florida’s Gulf Coast?
If you’re considering a luxury property in St. Petersburg, Seminole, Indian Rocks Beach, or Gulfport, let’s review your financing options before you make an offer.
Whether you’re purchasing a primary residence, second home, waterfront property, or investment property, I can help you explore jumbo financing solutions tailored to your scenario.
Call me, Laura Licea, today at 949-887-3728, or email me at Llicea@valorlending.com
Flexible Jumbo Financing
At Valor Lending Group, we offer jumbo financing solutions for qualified buyers with both traditional and more complex financial profiles.
Depending on the borrower, property, and loan purpose, financing options may include:
- Jumbo loan amounts for high-value properties
- Fixed-rate and adjustable-rate options
- Interest-only programs
- Bank statement loans for self-employed borrowers 12-24 months
- Primary residence and second-home financing
- Investment property financing
- Solutions for business owners and high-net-worth borrowers
- Cash-out refinance options
For many luxury buyers, the question isn’t simply how much they can put down. It’s how much capital they want tied up in the property.
A properly structured jumbo loan may allow qualified buyers to preserve liquidity for investments, businesses, additional real estate, or other financial opportunities.
Self-Employed Income?
Business owners, entrepreneurs, real estate investors, and other high-net-worth buyers don’t always fit traditional mortgage guidelines.
Depending on the program, qualification may consider bank statements, investment assets, rental income, business ownership, reserves, and overall financial strength rather than relying solely on traditional salary income.
Call me, Laura Licea, at 949-887-3728, or email me at Llicea@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
- 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 $2MM
- 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:
- 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
