BEST GROUND UP CONSTRUCTION AND SPEC BUILD LOANS

Valor Lending Group can can fund Ground Up Construction and Spec Build home loans for almost any loan scenario. Whether your it is your first project or a seasoned builder adding to your portfolio, Valor Lending can fund your purchase and construction cost up to 90% Loan To Cost(LTC). Conditions and loan guidelines must be met to qualify. Please call Adam Lawrence to your loan scenario today. 858-344-0323

BEST GROUND UP CONSTRUCTION AND SPEC BUILD LOANS HIGHLIGHTS

Up to 90% LTC(Depending on borrower and program)
Max Loan Up to $20 Million
Flexible Guidelines
12 to 24 month Interest Only Interest Rates
Valor Lending Group boasts the very best communication, service, rates and performance in the industry
Valor Lending Group ensures the very best pricing by shopping with many direct lenders so you don’t have to!

WHO IS RIGHT FOR A GROUND UP CONSTRUCTION OR SPEC BUILD LOAN RIGHT FOR?

First time project managers or investors(Low LTC, High Fico, Excess of Reserves, and Experience Sponsor Must Be Monetarily Involved)
Experienced Investors, Flippers, or Builders(Extremely Flexible Guidelines Due To Experience)
Rule Of Thumb For Experience: 3 Completed Projects In The Last 3 Years

Valor Lending Group also offers:

Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
Stated Income Loans (Great for business owners and self employed ) No tax returns!
100% financing is available (we can cross collateralize other properties if there is enough equity)
Valor VA Home Loan 100% financing up to $1.5MM
Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
Flipper & Rehab Loans (Flip a property with one of our many options)
2nd Position Loans up to $5mm
Raw Land & Lot Loans
Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
Acreage Properties
Commercial Loans up to $500mm
3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
Foreign Nationals Loans (no social security or residency required)