Loan Officer CA BRE# 01970140 NMLS# 463609 Valor Lending Group "Pride in Lending" Petco Park Diamond View Tower 350 10th Ave - 10th Floor San Diego, CA Direct: (616) 485-8784 Office: (619)344-2640 Fax: (619) 255-0602 web: www.valorlending.com smprescher@valorlending.com

Fast Money Bridge Loans | Up to 80% LTV on Purchase

  Up to 80% LTV | NOO Bridge Loans | Fast 2 Week Close NOO | 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
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90% LTV | Self Employed | Bank Statement Loan | Owner Occupied

  Bank Statement Loan Program Now only 680 Credit Score Required   90% LTVs/CLTVs up to $1.5M (10% down)       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
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Fix & Flip Loans | 85% of Purchase and 100% of Rehab

Fix & Flip Loans | 2 Week Close  Program available: Rate as low as **7.99%** 12 month term Loan amounts to $4mm Interest only payments Up to  85% of purchase and 100% of rehab costs Reimbursement Draw   Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days
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NOO Bridge Loans | Up to 80% LTV

  Up to 80% LTV | NOO Bridge Loans | Fast 2 Week Close NOO | 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
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Investor Cash Flow Loans | Use Property Cash Flow to Qualify

  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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Fast Money Bridge Loans | Up to 80% LTV | 2 Week Close

  Up to 80% LTV | NOO Bridge Loans | Fast 2 Week Close NOO | 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
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Use the Investment Property Cash Flow to Qualify!

  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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Bridge Loans | NOO | 80% LTV | Fast 2 Week Close

  Up to 80% LTV | NOO Bridge Loans | Fast 2 Week Close NOO | 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
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Commercial Loans Nationwide | Multifamily | up to 75% LTV

Multifamily Commercial Loans  -No Tax Returns -Debt Service Coverage Ratio as low as 1.15 Coverage -Loan to Value up to 75% (purchase)   Recap of our Loan Products: Stated Income Loans (No Tax Returns, no W-2s, No P&L) Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed) Hard Money Loans (As low as
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Fix & Flip Loans | 2 Week Close 

Fix & Flip Loans | 2 Week Close  Program available: Rate as low as **7.99%** 12 month term Loan amounts to $4mm Interest only payments Up to  90% Loan to Cost (LTC) of acquisition and rehab cost   Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days
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Bank Statement Loans | 10% Down | Owner Occupied

  Bank Statement Loan Program Now only 680 Credit Score Required   90% LTVs/CLTVs up to $1.5M (10% down)       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
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