Are you looking for a Mortgage Professional?
Are you looking for a Mortgage Professional? Whether it be a residential purchase or refinance in California or commercial financing nationwide on nearly any type of property, Valor Lending Group is the mortgage professional you have been looking for!
Looking for a Mortgage Professional
Most people turn to their local bank for a home loan, rather than an Independent Mortgage Professional.
What you might not know is that an Independent Mortgage Professional is often the best choice and they are able to offer you more loan options than a bank!
What differentiates an Independent Mortgage Professional from a bank?
INDEPENDENT MORTGAGE PROFESSIONAL
- Licensed mortgage expert – consistently undergoes continuous training
- Specializes in mortgages only
- Partners with many lenders to offer multiple loan products, allowing you to choose the best option
- Often offers lower rates and cheaper costs due to less overhead
- Adapts to industry changes quickly
- Communication, Communication, Communication!
BANK
- Not required to be licensed and are not held to the same standards and regulations as brokers in terms of testing and ongoing training
- Offer many other loan products (auto, boat, etc), so mortgages are not their main focus
- Only able to offer limited loan products they have in-house – may not be the best fit for your needs
- Often higher rates
- Slower to adapt to change due to large organizational operations
- Lack of communication!
Call or email me for immediate attention to your scenario!
Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.
Valor Lending Group also offers literally every loan in the book! Check out more information on our programs CLICK HERE and please do not hesitate to call on me for any scenarios. I look forward to an opportunity to demonstrate my prompt and professional service.
Recap of our Loan Products:
- Hard Money Loans (20% down / minimal documentation) Typically Fund 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 up to $1.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – No Coverage needed DSCR!
- 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)
- 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $510,400)
- High Balance Conforming Aka Super Conforming (from $510,400-$765,600)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1 Million Value
- Refinance including Cash Out
For more information on rates, visit Mortgage News Daily
