Valor Lending Group offers excellent loan programs for land loan, lot loan & construction loan scenarios!
Whether you are a flipper or a commercial builder we’ve got you covered!
Lot Loans / A TIER / Full Doc 43% DTI / (owner occ only):
3,5 OR 7 year lot loan starting at *4.5% interest rate /*APR 5% and only 1-2% origination based on $1M loan amount
LTV’s:
- 80% to $300k
- 75% to $400k
- 70% to $500k
- 65% to $750k
By exception above $750,000
Lot Loans / B TIER / No Income Requirements / Spec only:
6 months to 3 year term starting at *6.875% interest / *7.375% APR and only 1-2% origination / up to $5mm loan amount
50% down
Lot Loans / C TIER BORROWERS / No Doc / Spec only:
12-24 month terms starting at *10% interest / *11.25% APR and 3-4% origination
50% down / up to $5mm loan amount
Construction Loans / A TIER / Full Doc 43% DTI / Own occ only:
2,3,5 & 7 year LIBOR ARM’s (30 year term) from *3.875% interest rate / 4.375% APR and only 1-2% origination
- 80% LTV up to $1mm
- 75% LTV up to $1.5mm
- 70% LTV up to $2mm
- 60% LTV up to $3mm
Construction Loans / B TIER / No Income Requirements / Spec only:
12-18 month terms starting at 86.75% interest rate /8 7.125% APR and only 1.5% origination
Up to 80% LTV / up to $5mm loan amount
Construction Loans / C TIER / No Doc / Spec only:
9-18 month terms starting at 10% interest rate / 11.375% APR and only 3% origination
25% equity in project / up to $5mm loan amount
Call or email me for immediate attention to your scenario!
Valor Lending Group also offers literally every loan in the book! Check out more information on our programs CLICK HERE and 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:
- Stated Income Loans (No Tax Returns, no W-2s, No P&L)
- Bank Statement Income Loans (Great Bank Statement Program for business owners and self-employed)
- 100% Financing: We can cross another property to provide 100% financing on your acquisition.
- Hard Money Loans (25-50% down / minimal documentation) Fund in 7-10 days.
- Flipper Loans (Flip a property with one of our many options)
- Foreign Nationals Loans (no social security or residency required)
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- 2nd Position Loans up to $5mm
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s with NO MI up to $2.5mm
- Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
- Acreage Properties
- Commercial Loans up to $100mm
- 5% down Jumbo (Up to $1.5mm Lender paid PMI)
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
- High Balance Conforming aka Super Conforming (from $417k-$625k)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm
- FHA, VA, USDA
- ARM’s
- Reverse mortgages up to $10 Million Value
- Refinance including Cash Out