Hard Money Loans | 3 Options | Valor Lending Group | Often without an appraisal**

Your Options for Hard Money Loans:

Are you buying a new investment property?;or

Are you buying a new investment property and need to pull cash out of other real estate owned for the down payment?;or

Do you need cash out from a current property owned to pay off a business purpose?; or

Do you need cash out from a current investment property to improve that investment property?

Then Valor has your Best Hard Money Options!

*Valor Bridge Owner Occupied Loans:

If you need to pull cash out of your primary residence for a business purpose, then this is the program for you: 

• Property being used as the borrower primary residence
• Terms of up to 11 months
• Max LTV of 72% on 1st TD | Max CLTV 65% on 2nd TD
• No Prepayment Penalty
• Interest Only starting in the 9s

*Owner occupied for California Properties ONLY

Valor Investment Property Hard Money Loans | Non owner occupied:

If your property is being used as an investment property, then this is the program for you: 

• Terms 1 to 2 year
• Max LTV of 80% | note: Are you buying below market value? We can use the higher “as is” value with as little as 10% down!
• No Prepayment Penalty
• Interest Only starting in the 7s

Valor Cross-Collateral Hard Money Loans:

If you have a portfolio with properties that have available equity, then this is the program for you: 

• Cross for 100% financing  when crossing other real estate owned at 65% CLTV for 100% Financing
• Terms of 1-2 years
• Max CLTV of 65%
• No Prepayment Penalty
• Interest Only starting in the 9s

**No Appraisal Subject to lender discretion on a case by case basis.

Needs Quote (email Greg the following):

1. Property Address:
2. Purchase Price (for Purchase):
3. “As is” Value:
4. Current Balance (for Refinance):
5. Rents (confirm if long term or short term Airbnb leases):
6. Monthly Taxes and Insurance:
7. Approx Credit Score:
8. Vesting in and Entity or Individual name:

Other Programs Available:

• Commercial Loans
• Fix and Flip Loans
• Save your Deal | We Save Deals

Please give me a call if you have any questions and we look forward to the opportunity to serve you!

Valor Lending Group also offers literally every loan in the book! 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 (20% 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. Valor VA Home Loan 100% financing up to $1.5MM
5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. Conventional Conforming Loans (under $510,400)
2. High Balance Conforming (from $510,400-$765,600)
3. Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

**Rates and terms subject to change without notice