Jumbo loans are a powerful financing tool when your loan amount exceeds the county conforming limits set by Freddie Mac and Fannie Mae. At Valor Lending Group, we help borrowers find the right jumbo solution for their needs, whether that’s traditional full documentation, bank statement financing, or a hard money bridge loan. Valor Lending Mortgage and Loan Services
1. Full Documentation Jumbo Loans (Tax Returns)
A full-doc jumbo loan is the most traditional way to finance a luxury home or high-end property purchase. With these loans, borrowers qualify in the same way they would for a conventional or high balance loan. That means providing two years of tax returns, W-2s, and most recent pay stubs to verify income. Valor Lending Mortgage and Loan Services+1
Valor’s full doc jumbo options can include:
- Higher loan amounts above the county conforming limits
- Up to 90% loan-to-value (LTV) up to two million dollars in many cases
- Fixed interest rate terms from 15 to 30 years
- Flexible guidelines that may allow higher DTI ratios than typical lenders
- Loans on 1–4 unit residential properties and luxury homes Valor Lending Mortgage and Loan Services+1
These programs are ideal for borrowers with reliable income documentation and long-term financial stability who want competitive rates and terms on larger financing.
2. Jumbo Bank Statement Loans
For self-employed professionals or business owners whose tax returns don’t fully reflect their income, jumbo bank statement loans offer a valuable alternative. Instead of relying on traditional tax returns and W-2s, these programs use 12–24 months of personal or business bank statements to verify income and repayment ability. Valor Lending Mortgage and Loan Services+1
A jumbo bank statement loan works the same as other bank statement programs but with loan amounts that exceed the county conforming limits. Depending on the lender and market, these loans can go up to $10 million or more. Valor Lending Mortgage and Loan Services
This category is especially useful for:
- Self-employed borrowers
- 1099 contractors
- Borrowers whose tax returns don’t reflect true cash flow
- Situations where traditional documentation just isn’t available Valor Lending Mortgage and Loan Services
3. Hard Money and Bridge Loans
When speed and flexibility matter most, hard money or bridge loans provide an alternative financing path. Valor offers hard money loans that typically fund in 7-10 days, often with minimal documentation, making them a fast solution when timing is tight. Valor Lending Mortgage and Loan Services
Hard money or bridge financing is commonly used for:
- Transitional situations where you need quick access to capital
- Properties that may not qualify for traditional underwriting
- Investment purchases or fix-and-flip projects
- Borrowers who want to close fast without the full tax return process Valor Lending Mortgage and Loan Services
These programs are not the same as full documentation jumbo loans, but they offer flexibility when conventional routes aren’t practical.
Why Work With Valor Lending Group
Valor Lending Group features an array of jumbo loan programs to fit different borrower needs — from full documentation jumbo loans with traditional underwriting to bank statement jumbo loans and flexible hard money options. By working with many direct lenders, Valor can help you find competitive pricing and terms tailored to your situation. Valor Lending Mortgage and Loan Services+1
Whether you’re financing a luxury home or seeking alternative income qualification, there’s a jumbo solution that can work for you.
Meet Darren Carlin
Darren Carlin
CEO | Founder
CA DRE#01935124
NMLS#1016245
Valor Lending Group
‘Pride in Lending’
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Direct: (925) 872-0695
Office: (619) 810-0088
Fax: (619) 872-2400
dcarlin@valorlending.com
Darren Carlin was born and raised in Colorado Springs, Colorado. He is a 30+ year highly polished sales and finance career professional. For over two decades he was the finance director for several large organizations. Although lucrative positions, he did not find them personally satisfying. While considering his options for a more rewarding career, he found his calling in luxury real estate sales and finance in the San Francisco Bay area. He was promoted quickly due to his dedication to excellence to Vice President and Jr. Partner of Pacificwide Lending. In 2016 Darren decided to further his career and move he & his family to Beautiful San Diego California to open his own mortgage brokerage, Valor Lending Group. The agency opened in the very prestigious Diamond View Tower, 10th floor at Petco Park. Valor Lending Group has been able to attract and retain some very talented loan officers and the business is growing every day.
Valor Lending Group mission statement; “To provide an extremely high level of service that makes each of our clients feel though they are our only client”.
“Pride in lending”
Excellent. Simplicity. Limitless.
