Valor Lending Group works with over a hundred different lenders to offer hundreds of different loan products!
That can be a bit much to handle for the average borrower or even the most experience ones, let us help you navigate through your cloud of confusion. Make some time to have a conversation with your loan officer, an introduction interview will help determine the details of your loan scenario which we will then use to pick out a few different options for you. The intro interview is one of the most important steps in the loan process!
Email me today at cpatterson@valorlending.com to schedule your interview!
Once our loan officers know more about your scenario, we can start picking loan products for you based off things like Loan-to-Value, what documents the client is willing to provide, type of property, and many other variables that can qualify you for one program or disqualify you from another. It’s our job to know all the different products, not your!
Email me today at cpatterson@valorlending.com to schedule your interview!
As you can see from the recap of our loan products, we offer almost every loan in the book! You may already know what type of loan product you want but every lender has different requirements for their programs and sometimes they offer more than one program for a certain type of loan. For instance, one of the lenders we work with offers 5 different Jumbo loan products each with different qualifying requirements!
Still confused? Contact me directly at (858) 732-2320 or email me at cpatterson@valorlending.com. I am here to help and as a loan officer, it is my fiduciary duty to make sure I provide you with the highest standard of care during the loan process.
Camille Patterson /Valor Lending Group / 858-732-2320 / CPatterson@ValorLending.com
Recap of our Loan Products:
2). Foreign Nationals Loans (no social security or residency required) 35% down / Foreign passport / Document income outside US
3). Hard Money Loans (28-35% 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)
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
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. (Almost all property types)
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
I am able to take a Loan Application on a moment’s notice & will be happy to provide Pre approval letters.
Please do not hesitate to call on me on each and every scenario and we will ID best programs.
Camille Patterson
Loan Officer
CaBRE# 02035349
NMLS# 1517035
Valor Lending Group
“Pride in Lending”
Petco Park
Direct: (858) 732-2320
Office: (619)344-2640
Fax: (619) 872-2400
cpatterson@valorlending.com
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