Best VA Loans California

 

Best VA Loans California

“We are here to Serve those who have Served our Country”

 

 

Trying to lock down a VA loan to purchase the home of your dreams with a pain free process; also getting to work with the top professionals in the business?

VA loan programs offer below market interest rates, and terms of 15 year fixed up to 30 year fixed and even 5/1 and 3/1 ARMs.

VA Loans have many benefits for active duty members and retired veterans; you also may qualify as a member of the National Guard or Reserve. The main highlighted benefits are 100% Financing, no private mortgage insurance, or PMI, and no pre-payment penalty.

Qualification requirements vary depending on your status.

For most qualifying service members there is a minimum active duty requirement which may range depending on your role, but for most it is just 90 days.

Valor Lending Group will go above and beyond to make your dreams come true, email or call and trust us today with all of your loan needs!

 

Valor VA Loan Highlights

• 100% financing
• Sellers can pay closing costs, up to 2 discount points
• Buyers can add up to $6,000 to their VA loan to have energy efficient improvements installed
• No monthly mortgage insurance
• Less restrictive qualifying terms
• Buyers still eligible even after a short sale
• Jumbo loans available up to $1.5 million
• Buyers can have multiple VA loans under certain circumstances.
• *Valor will reimburse your appraisal fee for loans above $300,000.

 

Valor Lending Group is committed to serving our Veterans during this time of uncertainty.

**We give 5% of proceeds to a local Veteran charity on every VALOR VA Loan

Call or email me for immediate attention to your scenario!

Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.

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

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**Rates and terms subject to change without notice