New Valor Conventional Loans | Valor Lending Group
When it comes to conventional loans, the biggest difference with Valor Lending Group is how straightforward and flexible the process feels. They focus on laying out clear, direct paths to homeownership and actually picking up the phone to walk through your scenario—not pushing you into a one-size-fits-all box.
EMAIL: bjones@valorlending.com
Conventional Loans
At its core, a conventional loan is a traditional mortgage that follows standard lending guidelines. At Valor, you’ll see options like 10, 15, 20, 25, and 30-year fixed loans, along with conforming and high-balance programs depending on your loan size.
The key advantage here is flexibility—these loans can be structured to fit both primary homes and investment scenarios, with competitive terms and multiple ways to approach the deal.
How Conventional Loans Work
Conventional loans are built around credit, income, and assets. Unlike alternative programs, everything is documented and verified, which is what allows for stronger pricing and long-term stability.
At Valor Lending Group, the process is simple:
- Apply and get pre-approved quickly
- Structure the loan around your goals (purchase or refinance)
- Choose your term (fixed or adjustable)
- Close with a clear plan in place
They also offer 5% down conventional options with lender-paid PMI, which can significantly reduce upfront costs for buyers trying to keep liquidity.
Why Buyers Like Conventional Loans
There’s a reason conventional loans are still the go-to for well-qualified buyers:
- Lower overall cost compared to many alternative loan types
- Flexible terms (fixed, adjustable, different loan lengths)
- Stronger offers when competing in a purchase
- Options to reduce monthly payments, including seller-paid rate buy-downs
That last one matters right now. Structuring a deal where the seller contributes toward a temporary or permanent interest rate buy-down can dramatically lower the payment in the first few years—or even long term. It’s one of those strategies that separates an average loan officer from someone who actually knows how to win deals.
What Type of Properties Are Best
Conventional loans work best for:
- Primary residences
- Second homes
- 1–4 unit residential properties
- Standard SFRs, condos, and townhomes
Because these loans follow established guidelines, they’re ideal for properties that are easy to finance and easy to value—exactly what most buyers are targeting.
What You Need to Qualify
To get approved for a conventional loan, you’re typically looking at:
- Solid credit profile
- Verifiable income (W-2s, tax returns, etc.)
- Assets for down payment and reserves
- Reasonable debt-to-income ratio
That said, one of the advantages of working with someone like Billy Jones is knowing when to pivot the structure. If a conventional loan isn’t the perfect fit, Valor offers literally every loan in the book—from bank statement programs to investor cash flow loans—so you’re never stuck trying to force a deal that doesn’t work.
Why Work with Billy Jones at Valor Lending Group
This is where the difference really shows up. Anyone can quote a rate. Very few can actually structure a deal that gets accepted and closes clean.
With Billy Jones, you’re getting:
- Immediate attention to your scenario
- Access to every major loan program in one place
- Creative structuring (including seller-paid rate buy-downs)
- Fast pre-approvals and clear communication
Valor Lending Group is built around one idea: there’s always a way to get the deal done—you just need the right structure. And that’s exactly what Billy brings to the table.
If you’re serious about buying—or even just want to understand your options—it’s worth having that conversation upfront.
EMAIL: bjones@valorlending.com
EMAIL: bjones@valorlending.com
Call, Text, or Email me 7 Days a week for immediate attention to your loan scenario.
Billy Jones Sr. Loan Officer at 714-760-1353 | Email Link: bjones@valorlending.com
Recently Closed Deals | Valor Lending Group
$1,044,550 New loan | Private Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 New loan | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 New loan | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 New loa | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 New loa | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 New loan | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 New loan | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV
$4,013,750 New loan | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 New loan | DSCR Loan | Purchase | 75% LTV| Seattle, WA
VALOR LOANS RECAP:
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 with cross collaterizing other properties.
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)
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)
Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
Acreage Properties
3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
Foreign Nationals Loans (no social security or residency required
Also:
- 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, VA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance
**Rates and terms are subject to change without notice
VALOR GOOGLE REVIEWS CLICK HERE
EMAIL: bjones@valorlending.com
