Loan Originator CA BRE# 01967579 NMLS# 1035108 Valor Lending Group "Pride in Lending" Petco Park Diamond View Tower 350 10th Ave - 10th Floor San Diego, CA Direct: (858) 699-4614 Office: (619)344-2640 Fax: (619) 255-0602 web: www.valorlending.com fcaruso@valorlending.com

Why Use Valor Lending As Your Mortgage Broker?

Why Use a Mortgage Broker? Broker’s are independently trained professionals licensed to represent and provide you with the best advice for your mortgage and financing needs. Brokers primary expertise is locating funding for mortgage financing. We know where the best rates can be found because we have the benefit of dealing with multiple lenders at
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Investor Bridge Loans | 1 – 4 Units | 7.99% | 80% LTV

NEW INVESTMENT PROPERTY BRIDGE  PROGRAM: 7.99%* | Interest Only Payments | 1-2 year loan | NO Prepayment Penalty | Up to 80% LTV Valor Lending Group also offers literally every loan in the book! Check out our programs below and please do not hesitate to call on me for any scenarios. I look forward to
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Bank Statement Program | 10% Down | Up to $1.5M

  Bank Statement Loan Program Now only 680 Credit Score Required  90% LTVs/CLTVs up to $1.5M       PROGRAM HIGHLIGHTS • No tax returns/4506T • Minimum 600 FICO • DTI up to 55% with a minimum 680 FICO • LTV up to 90% with a minimum 680 FICO • 12 months of bank statements
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Real Estate Investors! Doing Multiple Fix and Flips? We have one of the BEST Line of Credit options Available

    Real Estate Investors! Doing Multiple Fix and Flips? We have one of the BEST Line of Credit options Available Line of credit based on your current liquidity and the net proceeds from investment properties (fix and flip or rentals) SOLD in the past 5 Years.   Is the Fix and Flip LOC right
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Commercial Loans | Up To $500M Loan Size

  Frank Caruso with Valor Lending Group funds commercial loans for nearly every type of commercial property throughout the Continental US and Beyond! We have an incredible array of lenders, pools of private money investors and thrifts that we can fund your deal through.   Whether you are seeking a purchase, cash out refi or
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Cash Out Refinance | Investment Property Purchase | Close in 2 Weeks

  NEW INVESTMENT PROPERTY BRIDGE  PROGRAM: 7.99%* | Interest Only Payments | 1-2 year loan | NO Prepayment Penalty | Up to 80% LTV Valor Lending Group can fund your HARD MONEY up to $10MM in as little as 10 days !   Valor Lending Group has access to billions to fund your next transaction.
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Investor Cash Flow | Long Term Rentals | NO Tax Return | NO Income Required

  Are You a Residential Real Estate Investor? Use the Investment Property Cash Flow to Qualify! There are a number of programs that are at your disposal with Valor Lending Group if you are a real estate investor. What program is right for you or your client’s situation?   Real Estate Investor Program: Don’t let rising
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100% Financing | Leverage Your Equity | Fast Hard Money

Investors Leverage your Real Estate Assets: Have equity in another investment property? We can cross in a 2nd position for the down payment on your new acquisition and cover closing costs for 100% financing! ! Valor Lending Group can fund your HARD MONEY up to $10MM in as little as 10 days often times without
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Non Owner Occupied Bridge Loans | Up to 80% LTV | Cash Out | Acquire | R/T

Non Owner Occupied BRIDGE  PROGRAM: 7.99%* | Interest Only Payments | 1-2 year loan | NO Prepayment Penalty | Up to 80% LTV Valor Lending Group can fund your HARD MONEY up to $10MM in as little as 10 days ! We look forward to an opportunity to demonstrate our prompt and professional service.  
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Investor Cash Flow Program | Up to $2.5M on Purchase & R/T | Up to $2M Cash Out

  Are You a Residential Real Estate Investor? Use the Investment Property Cash Flow to Qualify! There are a number of programs that are at your disposal with Valor Lending Group if you are a real estate investor. What program is right for you or your client’s situation?   Real Estate Investor Program: Don’t let rising
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90% of the acquisition and rehab cost | Fix & Flip Loans | 2 Week Close

As specialists in funding fix and flip loans, we at Valor Lending Group know there is enough to worry about in a rehab project. From difficult to estimate labor / materials expenses to uncooperative weather, rehabbing always comes with a unique set of challenges. That’s why we have funding solutions that are transparent, streamlined, and
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