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

Hard Money CA | 3 Options | FAST CLOSING

    Hard Money Lending | 3 Options | Valor Lending Group | Typically without an appraisal*       Valor Bridge Owner Occupied: Property being used as the borrower primary residence terms of up to 11 months Max LTV of 72% No Prepayment Penalty Interest Only starting in the 9s Valor Investment Property |
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Bank Statement Program | Self Employed | Business Owners

  We can fund your loan without tax returns or W2s–For self-employed borrowers in business for at least 2 years, all you need is sufficient qualifying deposits on either your personal or business bank statements. You can also qualify based on your 1099s! Valor Lending Group offers multiple types of Stated Income & Bank Statement
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Fix & Flip Loans | Non Recourse under $1.5M | 2 Week Close

    Fix & Flip Loans | Non Recourse under $1.5M | 2 Week Close  Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.   Fix and Flip Program available: Rate as low as **7.99%** 12 month term Loan amounts up to
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*RE Investors* Do you have Positive Cash Flow on your Rental Property? Use Investor Cash Flow Program

Stop paying hard money rates when you can do better As the market shifts, the rate gap between conventional and hard money are shrinking. We are leading the charge with our A+ Fast Money program NO income | NO employment | NO tax returns | NO Debt to Income Calculation (See below)      
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Hard Money Lending | 3 Options | Fast Closings

      Hard Money Lending | 3 Options | Valor Lending Group | Typically without an appraisal*     Valor Bridge Owner Occupied: Property being used as the borrower primary residence terms of up to 11 months Max LTV of 72% No Prepayment Penalty Interest Only starting in the 9s Valor Investment Property |
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Self Employed | Business Owners | Bank Statement Program

We can fund your loan without tax returns or W2s–For self-employed borrowers in business for at least 2 years, all you need is sufficient qualifying deposits on either your personal or business bank statements. You can also qualify based on your 1099s! Valor Lending Group offers multiple types of Stated Income & Bank Statement Loan
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Mortgage Rates Back in Line With 3 Year Lows

Mortgage rates moved lower today as MBS (the mortgage-backed securities that determine the value of mortgages on the secondary market) improved relative to US Treasuries.  That’s NOT a common occurrence recently!  When Treasury yields have moved quickly to long-term highs or lows, MBS tend to lag the move noticeably.  As 10yr yields moved even lower at
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Are You a Residential Real Estate Investor? 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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Fix and Flip Loans | Nationwide | 12-14 day 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  85% of purchase and 100% of rehab costs Reimbursement Draw Close in 12-14 days (after full submission)   Valor Lending Group can fund your fast-hard money loan up to
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Fast Money Bridge Loans | 80% of “as is” Value | 12-14 day 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 | up to $500M

Valor Lending Group offers an inedible array of hard money (bridge) loan programs, providing you with same-as-cash purchasing power.  Commercial Hard Money Loans | Nationwide | Purchase | R/T Refinance | Cash Out Refinance | Cross other REO for 100% Financing     Commercial Loans | Nationwide Up to 75% LTV (Purchase) 5.5-12% Interest 6
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