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Florida Stated Income Home Loans Made Easy | Valor Lending Group

This is Your Guide to Florida Stated Income Home Loans Made Easy.

Valor Lending Group offers EVERY LOAN IN THE BOOK to the beautiful Sunshine State and looks forward to raising the bar in mortgage loan financing.

Valor Lending Group has you covered!

Call me, Hayden Madison, directly at 858-349-7538, or email me at hmadison@valorlending.com, and

Step into the life you deserve.

Your Guide to Florida Stated Income Home Loans Made Easy

Are you searching for a hassle-free way to finance your home? Unlock the Best Stated Income Home Loans in Florida, and discover a streamlined mortgage solution that eliminates the stress of traditional income verification. Whether you’re self-employed, a real estate investor, or simply looking for a flexible loan option, stated income loans provide a fast and efficient way to secure financing without the paperwork burden of conventional mortgages.

Why Choose a Stated Income Loan?

For many borrowers, traditional mortgage approvals can be challenging due to stringent income documentation requirements. The best stated income home loan options offer an alternative, allowing you to qualify based on your assets and creditworthiness instead of tax returns. With just a single month’s bank statement, you can demonstrate your financial stability and secure the loan you need.

Key Benefits of Stated Income Loans in Florida:

• Flexible Property Types: Purchase a primary residence, vacation home, or investment property with ease
• No Income Documentation: No need to provide tax returns or W-2s; instead, qualification is based on your assets
• Minimal Paperwork: A one-month bank statement is all that’s required to verify your financial standing
• Competitive Loan-to-Value (LTV) Ratios: Secure up to 80% LTV on purchases and rate/term refinances
• Cash-Out Refinancing Options: Tap into up to 70% LTV for financial flexibility and investment opportunities
• High Loan Limits: Borrow up to $3MM for high-value properties or large investments
• No Employment Verification: Focus on your financial health rather than traditional employment proof
• Credit-Based Approval: Your credit score, liquidity, and LTV ratio determine eligibility

With a minimum credit score requirement of 700 and just a 20% down payment, stated income loans offer a cutting-edge solution tailored for today’s borrowers. Whether you’re looking to purchase a new home or refinance an existing property, these loans provide maximum convenience and flexibility.

Start Your Stated Income Loan Process Today

Don’t let income documentation stand in the way of your homeownership goals. Unlock the Best Stated Income Home Loans in Florida and take advantage of a streamlined, stress-free mortgage process. Contact me today to explore your options and take the next step toward securing your dream home or investment property with ease!

Call me, Hayden Madison, directly at 858-349-7538 today, and let’s make your vision come to life!

Recently Funded | Valor Lending Group

$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$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 | Private 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 | Private 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 | Private Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV! | Ventura, CA

And many more.

Every Project, Every Loan – Let’s Build Your Success Together!

Call me, Hayden Madison, today at 858-349-7538.

Recap of Our Loan Products:

1. Private Money Loans (20% down / minimal documentation) Typically, funds 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 $2.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s 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 years Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1MM Value
7. Refinance including Cash Out

**Rates and terms are subject to change without notice