Hard Money Loans Florida | Valor Lending Group

Would you like to learn about our Florida hard money loans?

Are you an investor looking to get quick funding for a new investment property?

If so, a Hard Money Loan is the loan for you!

Hard money loans, also known as Bridge loans, Flip Loans, and Cross loans, are a type of loan program that real estate investors usually use. It is not like a traditional loan. You cannot get one through just any conventional lender. Most traditional lenders do not offer hard money loans. You will deal with private individuals or companies, instead of banks, when using a hard money loan program. Going the hard money loan route generally is quicker and simpler for many borrowers. Although it can be a quicker process, the interest and fees will go up and it will be more costly.

Valor Lending Group has the right connections to get a hard money loan locked and loaded for you today.

We are now fully licensed in Arizona, California and Florida for all occupancy and loan types!

CALL ME TODAY!

3 Options | Typically without an appraisal

Valor Bridge Owner Occupied:

Do you need to pull cash out of your primary residence for a business purpose?

• Property being used as the borrower primary residence
• terms of up to 11 months
• Max LTV of 75% on 1st TD | Max CLTV 65% on 2nd TD
• No Prepayment Penalty

Owner occupied for Arizona, California and Florida Properties ONLY

Valor Investment Property | Non Owner Occupied:

Property being used as the borrower’s investment property

• Terms 1 to 5 year
• Max LTV of 80%
• No Prepayment Penalty

Valor Cross- Collateral Loan:

Do you have a portfolio with properties that have available equity? 

• Leverage for 100% financing when crossing other real estate owned at 65% CLTV for 100% Financing
• Terms of 1-2 years
• Max CLTV of 65%
• No Prepayment Penalty

No Appraisal Subject to lender discretion on a case by case basis

Advantages and Disadvantages of Hard Money Loans:

1) Pros of Hard Money Loans

• Speed – Streamlined Process – Faster than traditional loans
• Flexible temporary financing solutions
• Viable option to finance rehab and value add projects
• Less focused on credit history
• Minimal documentation and asset verification
• Interest-Only Payments available

2) Cons of Hard Money Loans

• Larger down payment may be required
• Generally, more expensive than traditional loans
• Balloon payment requires good take out strategy (this is not a con for savvy investors!)

The Bottom Line

Hard money loans are a powerful tool for real estate investors. They are quick and flexible, providing same-as-cash purchasing power. Hard money loans are also the most viable option for financing renovations or other value add projects. If you would like to discuss your hard money options, please give us a call today.

Needs for Quote (email Hayden the following):

1. Property Address:
2. Purchase Price (for Purchase):
3. Property “as is” Value:
4. Current Balance (for Refinance):
5. Total Monthly Rents (confirm if long term or short term Airbnb leases):
6. Monthly Taxes and Insurance:
7. Approx Credit Score:
8. Vesting in and Entity or Individual name:

Other Programs Available | California Hard Money Loans:

• Hard Money Loans
• Fix and Flip Loans
• Commercial Loans
• Save your Deal | We Save Deals

CONTACT ME today to start your Hard Money Loan scenario!

Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Hard Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV 
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV | Seattle, WA
$1,950,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 70% LTV | Berkeley, CA
$3,100,000 Loan amount | 12 Month Bank Statement Loan | Purchase | 43% LTV | Coronado, CA
$1,790,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | Berkeley, CA
$1,008,000 Loan amount | Full Doc Jumbo Loan | Purchase| 80% LTV | Anaheim, CA
$1,740,000 Loan amount | Hard Money 2nd Position Bridge Loan | Cash Out Refi | 61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 62% LTV
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV | Ventura, CA
$2,100,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina

And many more.

We do them all, so give me a call!

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. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
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. 10% down Jumbo’s up to $1.5mm
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. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 Million / 10% down Jumbo to $1.5mm
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1 Million Value
7. Refinance including Cash Out

**Rates and terms subject to change without notice

We are never too busy for your referrals.

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