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Our own Stephan Prescher explains the benefits of buying and flipping a home.
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MORTGAGE NEWS
Rates Are Dropping Is It Time To Refinance?
Rates Are Dropping Is It Time To Refinance? | Valor Lending Group Is it time to refinance? Do you have a maturity date coming due?
California 12-24 Month Bridge Loan Programs
12-24 Month Bridge Loan Programs Are you interested in learning about our 12-24 month Bridge Loan Programs? Valor Lending Group is waiting for your CALL or EMAIL today! 12-24
2nd Position Mortgage Loan
2nd Position Mortgage Loan up to $10M | Fast Close | 65% CLTV | Typically without an appraisal Are you buying a new investment property? Or Are you buying a
EVERY LOAN IN THE BOOK
HARD MONEY | BRIDGE LOANS
Some homeowners are familiar with hard money consumer bridge loans, aka “bridge money” in the context of purchasing a home while waiting for their departing residence to sell. But in essence, most if not all hard money loans can be viewed as a “bridge” from one financial situation to another. Hard money loans are a great solution for temporary funding needs.
STATED INCOME LOANS
If you’ve heard of “bank statement loans,” you might be wondering what exactly is a bank statement loan? Whereas traditional mortgage loans require tax returns during the loan approval process, bank statement loans do not. Self-employed individuals and business owners, whose tax returns often do not accurately portray their financial picture can use a bank statement loans.
VA | FHA HOME LOANS
FHA loans are government-backed through the Federal Housing Administration (FHA). They also allow for the smallest down payment of all loans, 3-3.5% or even no down payment when utilizing a down payment assistance program. While VA loans are government-backed loans through the US Department of Veteran’s Affairs (VA), and offer incredible rates and terms to veterans, active-duty military, reservists, and unmarried surviving spouses.
FLIPPER | REHAD
Fix-n-flips are a classic situation in which a hard money loan makes financial sense. In these situations, the loan is based on the after-renovated value. Once the property is finished being rehabbed, and realizes its full income-producing capacity (“stabilized”), the hard money loan can be paid off in 1 of 2 ways: sell the property, or refinance with a traditional lender now that the as-is value supports the loan.
RENTAL PROPERTY
Sometimes called “Investment property loans” or “rental loans,” no tax return investment property loans do not consider a borrower’s income in the traditional sense. The “cash flow” is just the monthly rental amount the property brings in. For example, a property renting for $2,000/month would be attributed a qualifying income of $2,000/month. The main requirement for these investment property loans is that the monthly rents cover the monthly expenses. It is that simple.
JUMBO
If you have heard of “jumbo loans,” you might be wondering what exactly is a jumbo loan? Whereas traditional mortgage loans have limits per county, jumbo loans can greatly exceed the county limits. Jumbo loans are a powerful tool for high-net-worth individuals and/or well-qualified borrowers to obtain alternative financing where traditional lenders say “no,” by qualifying based on credit, income, and assets.
CONVENTIONAL RESIDENTAL
If you’re looking to purchase a home using the best California home loans, you will probably need to finance that home. Or if you already own a home you may want to refinance your current home loan to get a better rate, or to pull equity (cash) out of your home to renovate your kitchen.
LAND, LOT & CONSTRUCTION
Valor Lending offers an incredible array of Land Loans, Lot Loans & Construction Loans. Including Custom Homes, Spec Homes, Commercial Buildings of any type; Apartment Buildings, Office Buildings, Mixed Use Buildings, Self Storage Facilities, Medical Buildings, Hospitals, Industrial Buildings and many more
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COMMERCIAL
Finding the Best Commercial Mortgage Loan is in an entirely different category than residential lending. Commercial property loans are often vastly different than loans for residential properties. Although they both pertain to real property, and sometimes even income-producing property on the 1-4 unit residential side, commercial loans are simply more complicated than residential loans.
