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Mortgage Loan Programs Private Money

Fix and Flip Loan

Dec 30, 2025 Valor Lending Group Comment on Fix and Flip Loan

Maximize your real estate investments with our fix and flip loans. Secure fast, short-term financing to purchase and renovate properties for a quick resale.

Mortgage Loan Programs Private Money

Bridge Loan

Dec 30, 2025 Valor Lending Group Comment on Bridge Loan

Bridge loans offer speed and flexibility by skipping strict banking rules. Secure short-term financing to bridge the gap between buying and selling.

Commercial Loans Mortgage Loan Programs

Commercial Loan

Dec 30, 2025 Valor Lending Group Comment on Commercial Loan

Tailored for commercial real estate, these mortgage loans help you navigate higher complexity to meet your unique property needs and investment goals.

Land/Lot and Construction Loans Mortgage Loan Programs

Construction Loan

Dec 30, 2025 Valor Lending Group Comment on Construction Loan

Whether building a dream home, a spec home for profit, or a commercial project, we guide you through the process to secure the best ground-up loans.

Mortgage Loan Programs Traditional Mortgage Loans

FHA Loan

Dec 30, 2025 Valor Lending Group Comment on FHA Loan

FHA loans offer flexible qualification guidelines and lower down payments. Perfect for first-time homebuyers looking for accessible residential financing.

Mortgage Loan Programs Traditional Mortgage Loans

Home Loan

Dec 30, 2025 Valor Lending Group Comment on Home Loan

Find the perfect home loan for your needs. We offer competitive rates and personalized guidance to help you purchase or refinance your primary residence.

Mortgage Loan Programs Traditional Mortgage Loans

Jumbo Loan

Dec 30, 2025 Valor Lending Group Comment on Jumbo Loan

Financing a luxury property? Jumbo loans provide the capital you need for high-value real estate purchases that exceed standard conforming loan limits.

Land/Lot and Construction Loans Mortgage Loan Programs

Lot Loan

Dec 30, 2025 Valor Lending Group Comment on Lot Loan

Found the perfect piece of land? Our lot loans provide the specialized financing you need to purchase raw land or an empty lot for your future build.

Mortgage Loan Programs Non-QM Loans

No-Tax-Return Investment Property Loans

Dec 30, 2025 Valor Lending Group Comment on No-Tax-Return Investment Property Loans

Expand your real estate portfolio without the paperwork. Secure funding for your next investment property without providing traditional tax returns.

Mortgage Loan Programs Non-QM Loans

Stated Income Loan

Dec 30, 2025 Valor Lending Group Comment on Stated Income Loan

Stated income loans offer simplified financing for self-employed borrowers and investors by focusing on alternative documentation rather than tax returns.

Mortgage Loan Programs Traditional Mortgage Loans

VA Loan

Dec 30, 2025 Valor Lending Group Comment on VA Loan

Dedicated to our veterans. VA loans offer zero down payment, competitive rates, and flexible requirements for eligible military members and families.

Mortgage Loan Programs Non-QM Loans

Debt Service Coverage Ratio (DRCR) Loan

Dec 30, 2025 Valor Lending Group Comment on Debt Service Coverage Ratio (DRCR) Loan

Debt service coverage ratio (DSCR) loans ignore personal income, qualifying investment properties strictly on rental cash flow. As long as monthly rents cover expenses, the loan gets approved.

Mortgage Loan Programs Non-QM Loans

Bank Statement Loans

Dec 30, 2025 Valor Lending Group Comment on Bank Statement Loans

Perfect for self-employed individuals and business owners. Secure competitive rates using your bank statements to qualify instead of standard tax returns.

Mortgage Loan Programs Private Money

Hard Money Loans

Dec 30, 2025 Valor Lending Group Comment on Hard Money Loans

Need fast funding? Hard money loans offer alternative financing secured directly by real estate when traditional mortgage guidelines fall short.

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Valor Lending Group offers a comprehensive range of mortgage loan programs nationwide, with licensed owner-occupied financing available in California, Arizona, Florida, and South Carolina.

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Headquarters

Petco Park Diamondview Tower
350 10th Ave | 10th Floor
San Diego, CA 92101
CA DRE #02026238 | NMLS #1600345

Florida Branch

First Central Tower, 360 Central Ave Ste 818, St. Petersburg, FL 33701
FL Branch #2883945 | Lic #MBRB1948

Office Main Contact

Ph: (619) 810-0088
Fax: (619) 872-2400
info@valorlending.com

Arizona Branch

Eagle Ridge
1548 Hawkeye Ridge Ave
Prescott, AZ 86301
Branch ID# 2245288 | MB-1030262

South Carolina Branch

110 Traders Cross Suite 217 Bluffton, SC 29928
Branch ID# 2888966

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equal housing opportunity Realtor

Valor Lending fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.