At Valor Lending Group we represent over 100 Direct Lenders, two Private Pools of Money, two Thrifts on Wall Street and a Hedge Fund with billions to loan. We have scoured the country to find lenders that cover atypical loan scenarios that your average lender just can’t fund. You may not need us today, but when you have a deal fall apart and need fast funding or a niche loan that you just can’t find a lender to cover, wouldn’t it be smart to have an extra lender like us in your tool belt? Below is a few of our loan products. Don’t hesitate to contact me for immediate attention to your loan scenario. I am able to take a Loan Application on a moment’s notice & will be happy to provide Pre approval letters.
Christopher Lapping /Valor Lending Group / 808-494-6502 / CLapping@ValorLending.com
Recap of our Loan Products:
1). Stated Income Loans (Great for business owners and self-employed) 20% down / 620+ credit score / 2 years business license / 12-24 months bank statements
2). Foreign Nationals Loans (no social security or residency required) 35% down / Foreign passport / Document income outside US
3). Hard Money Loans (27-35% down / minimal documentation) Fund in 7-10 days. 480+ credit score
4). Raw Land and Construction (Bridge Loans) including Spec Home! 75% loan to cost (cost of land and construction budget)
5). 3% down Conventional (Lender paid PMI)
6). Residential Income/Investment Property (including Mixed Use) Purchase and Refinance Loans 20-35% down depending on property, credit etc.
7). Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
8). Flipper Loans (Flip a property with one of our many options) 30% down we finance acquisition and rehab funds / 1-2 year terms
9). 10.1% down Jumbo’s with NO MI up to $2.5mm NO MI
10). Manufactured Housing / Mobile Homes (20% down / 620+ credit score) must be tied to real property/Must be at least double wide/Must be built after June 15th 1996 /
11). Acreage Properties
12). Commercial Loans up to $100mm / Purchase and Refinance Loans 25-35% down depending on property, credit etc.
We also offer:
1). 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $424k) 30 year fixed
2). High Balance Conforming aka Super Conforming (from $424k-$636k) 30 year fixed
3). Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm
4). FHA, VA, USDA
5). ARM’s
6). Reverse mortgages up to $10 Million Value
7). Refinance including Cash Out
