Date

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 bank statements
• Personal OR Business
• Flexible options to qualify
• W2, retirement income, rental income & Asset Amortization
CAN be used.
• Use 100% of checking, savings, stocks, bonds, retirement funds
to meet reserve requirement
• Cash out up to $2M

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 an opportunity to demonstrate my prompt and professional service.

Recap of our Loan Products:

1. Stated Income Loans (No Tax Returns, no W-2s, No P&L)
2. Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed)
3. Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days.
4. Flipper Loans (Flip a property with one of our many options)
5. Line of Credit
6. 100% Financing
7. Foreign Nationals Loans (no social security or residency required)
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. 2nd Position Loans up to $5mm
11. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
12. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
13. 10% down Jumbo’s with NO MI up to $2.5mm
14. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
15. Acreage Properties
16. Commercial Loans up to $500mm
17. 5% down Jumbo (Up to $2mm Lender paid PMI)

We also offer: 

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
2. High Balance Conforming aka Super Conforming (from $484,350-$726,525)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, VA, USDA
5. ARM’s
6. Reverse mortgages up to $10 Million Value
7. Refinance including Cash Out

We are never too busy for your referrals