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
• 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. Hard Money Loans (28-35% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
5. Flipper & Rehab Loans (Flip a property with one of our many options)
6. 2^nd Position Loans up to $5mm
7. Raw Land & Lot Loans
8. Ground up Construction for spec homes, custom homes and commercial ground up.
9. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
10. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
11. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
12. Acreage Properties
13. Commercial Loans up to $500mm
14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
15. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484k)
2. High Balance Conforming aka Super Conforming (from $484k-$726k)
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 $1 Million Value
7. Refinance including Cash Out

We are never too busy for your Referrals!

Frank Caruso

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