EVERY LOAN IN THE BOOK

We fund nearly every loan in the book and with dedicated customer service.  We assure you excellent communication throughout the loan process to ensure that your loan closes in a smooth and timely manner.

CALIFORNIA JUMBO LOANS

If you have heard of “jumbo loans,” you might be wondering what exactly is a jumbo loan? Whereas traditional mortgage loans have limits per county, jumbo loans can greatly exceed the county limits. Jumbo loans are a powerful tool for high-net-worth individuals and/or well-qualified borrowers to obtain alternative financing where traditional lenders say “no,” by qualifying based on credit, income, and assets. 

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STATED INCOME LOANS

If you’ve heard of “bank statement loans,” you might be wondering what exactly is a bank statement loan? Whereas traditional mortgage loans require tax returns during the loan approval process, bank statement loans do not. Self-employed individuals and business owners, whose tax returns often do not accurately portray their financial picture can use a bank statement loans.

HARD MONEY LOANS

Hard money loans are an alternative to traditional bank lending that allows flexibility and expediency. Hard money lenders and hard money loans are not required to conform to the same guidelines as traditional financing, such as the standardized Fannie Mae and Freddie Mac underwriting guidelines for loans to be repackaged and sold on Wall Street. Put simply, a hard money loan is a loan that is secured by a “hard” asset – i.e., real property.

FIX AND FLIP LOANS

Fix-n-flips are a classic situation in which a hard money loan makes financial sense. In these situations, the loan is based on the after-renovated value. Once the property is finished being rehabbed, and realizes its full income-producing capacity (“stabilized”), the hard money loan can be paid off in 1 of 2 ways: sell the property, or refinance with a traditional lender now that the as-is value supports the loan.

RENTAL PROPERTY LOANS

Sometimes called “Investment property loans” or “rental loans,” no tax return investment property loans do not consider a borrower’s income in the traditional sense. The “cash flow” is just the monthly rental amount the property brings in. For example, a property renting for $2,000/month would be attributed a qualifying income of $2,000/month. The main requirement for these investment property loans is that the monthly rents cover the monthly expenses.

CALIFORNIA HOME LOANS

If you’re looking to purchase a home using the best California home loans, you will probably need to finance that home. Or if you already own a home you may want to refinance your current home loan to get a better rate, or to pull equity (cash) out of your home to renovate your kitchen. California home loans fall into 2 major categories: (1) Owner-occupied, and (2) Investment (non-owner occupied). There are many similarities between the two, but also some key differences

VA LOANS

FHA loans are government-backed through the Federal Housing Administration (FHA). They also allow for the smallest down payment of all loans, 3-3.5% or even no down payment when utilizing a down payment assistance program. While VA loans are government-backed loans through the US Department of Veteran’s Affairs (VA), and offer incredible rates and terms to veterans, active-duty military, reservists, and unmarried surviving spouses.

FHA HOME LOANS

FHA loans are government-backed through the Federal Housing Administration (FHA). They also allow for the smallest down payment of all loans, 3-3.5% or even no down payment when utilizing a down payment assistance program. While VA loans are government-backed loans through the US Department of Veteran’s Affairs (VA), and offer incredible rates and terms to veterans, active-duty military, reservists, and unmarried surviving spouses.

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LOTS & LAND LOANS

Valor Lending offers an incredible array of Land Loans, Lot Loans & Construction Loans. Including Custom Homes, Spec Homes, Commercial Buildings of any type; Apartment Buildings, Office Buildings, Mixed Use Buildings, Self Storage Facilities, Medical Buildings, Hospitals, Industrial Buildings and many more

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CONSTRUCTION LOANS

Top Ground Up Construction Loans. Are you looking to build you forever dream home? Where do you start? Let Valor Lending Group guide you thought the process to ensure the right loan for you. Valor Lending Group features the very Best California Ground Up Construction Loans. Whether you are seeking to build a custom home for your primary residence, a spec home to sell for a profit, or a commercial construction loan.

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COMMERCIAL LOANS

Finding the Best Commercial Mortgage Loan is in an entirely different category than residential lending. Commercial property loans are often vastly different than loans for residential properties. Although they both pertain to real property, and sometimes even income-producing property on the 1-4 unit residential side, commercial loans are simply more complicated than residential loans.

INVESTOR LOANS

Finding the Best Commercial Mortgage Loan is in an entirely different category than residential lending. Commercial property loans are often vastly different than loans for residential properties. Although they both pertain to real property, and sometimes even income-producing property on the 1-4 unit residential side, commercial loans are simply more complicated than residential loans.

GET A QUOTE

 
 

Valor Lending Group funds every type of mortgage loan in the book!

We save deals! That’s what we do! Funding your fast hard money loan in 5-10 days typically without an appraisal up to $10mm.

 

Allow us the opportunity to demonstrate our prompt and professional handling of your transaction.

I look forward to any opportunity to serve you and your clients.

Recap of our Loan Products: 

  1. Hard Money Loans (28-35% 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. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
  5. Flipper & Rehab Loans (Flip a property with one of our many options)
  6. 2nd Position Loans up to $5mm
  7. Raw Land & Lot Loans
  8. Ground up Construction for spec homes, custom homes and commercial ground up.
  9. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
  10. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
  11. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
  12. Acreage Properties
  13. Commercial Loans up to $500mm
  14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
  15. Foreign Nationals Loans (no social security or residency required)

We also offer:

  1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
  2. High Balance Conforming aka Super Conforming (from $453,100-$649,750)
  3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
  4. FHA, VA, USDA
  5. ARM’s
  6. Reverse mortgages up to $1 Million Value
  7. Refinance including Cash Out

I am able to take a Loan Application on a moment’s notice & will be happy to provide Pre approval letters.

Please do not hesitate to call on me if I may be of service in any way!