• Up to 95%LTV with NO MI
• Up to $20MM
• 40-year fixed term with IO
• Flexible Guidelines
• Non-occupant co-borrower + Gift Funds
• Interest-Only with 680 + Fico
• 90% cash out up to $1.5M
• Unlimited Cash Out
• 2-year seasoning - short sales + bankruptcy
• 3-years seasoning - foreclosures
• As low as 600 Fico
• DTI Allowed up to 50%

The Doctor loan program is designed for medical professionals.
  • Purchase or rate/term refinance of primary residence
  • 80% LTV / 90% CLTV to $2,500,000
  • 75% LTV / 85% CLTV to $3,000,000
  • Available on 3, 5 and 7 year ARM products
  • Minimum FICO Score: 720
  • Maximum DTI: 47%
  • Student debt deferred for a minimum of 12 months excluded from DTI calculation


Employer funded subordinate financing and family member gift funds allowed
Eligible borrowers include:
  • Licensed medical professionals including doctors, dentists, dental surgeons and veterinarians
  • Newly licensed residents who are currently employed
  • Newly licensed students who will begin new employment/residency within 60 days of closing
VALOR+ Doctor/Dentist/Vet Loan Program
Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at the time of applications. Information and/or data are subject to change without notice. All loans are subject to credit approval. Valor Lending Group 350 10th Ave 10th floor #1008 San Diego, CA 92101. NMLS# 1600345 CAL BRE# 02026238. Licensed by: State of CA Bur of Real Estate. NMLS Consumer access: