Get Approved Fast with Non-QM Loan Options | Valor Lending Group
Get Approved Fast with Non-QM Loan Options and take control of your financial future. These loans are designed to provide flexible financing solutions, making them ideal for self-employed borrowers and real estate investors who may not meet traditional lending requirements.
With Non-QM Loan Options, you gain access to customized mortgage solutions that align with your unique financial situation. At Valor Lending Group, I’m here to guide you through the process, helping you secure the perfect Non-QM Mortgage Loan to achieve your goals. Let’s work together to unlock new opportunities and turn your real estate investment dreams into reality!
Call me, Mikey B , directly today at 619-723-8623, or email me at Mbullard@valorlending.com.com
Non-Qualified Mortgage (Non-QM) Loans Overview
Non-Qualified Mortgages (Non-QM Loans) offer an alternative to traditional lending, allowing for different underwriting guidelines compared to conventional or government-backed loans. These loans provide unique opportunities for self-employed borrowers and real estate investors who might face challenges with conventional loan requirements. While Non-QM loans may include features such as interest-only payments, balloon payments, or terms beyond 30 years, these loans still comply with the Dodd-Frank’s Ability-to-Repay (ATR) Rule for owner-occupied properties. Non-QM loans enable borrowers to secure financing for both conforming and non-conforming loans, with the option to use alternative qualification methods.
1. Bank Statement Loans
Bank statement loans have quickly become one of the most favorable home loan options for self-employed borrowers in California. These loans allow individuals who make sufficient income but whose tax returns do not accurately reflect their earnings to qualify. Traditional lenders typically require tax returns, W-2s, and paycheck stubs to determine income, disadvantaging self-employed individuals who often write off significant expenses. With bank statement loans, lenders verify income through bank statements, focusing on business deposits to assess true cash flow. This process allows self-employed borrowers to qualify without relying on tax returns, offering them a fairer chance at homeownership.
2. Asset Depletion Loans
Asset depletion loans are another excellent alternative for individuals with significant assets but limited income. These loans calculate a borrower’s ability to repay based on their total liquid assets, rather than their monthly or annual income. The lender will divide the borrower’s net worth and liquid assets over 60-72 months, ensuring that the borrower’s assets are sufficient to cover the mortgage payment and any other debts. This type of loan is ideal for individuals with a strong asset base who may not have the traditional income needed to qualify for a standard loan.
3. No-Tax-Return Investment Property Loans
No-tax-return investment property loans are an exceptional financing option for real estate investors. These loans allow qualification based on the rental property’s cash flow, rather than the borrower’s income. Since these loans are intended for non-owner-occupied properties, lenders focus solely on the income generated by the property. With no requirement for tax returns, employment verification, or debt-to-income ratios, real estate investors can secure financing with greater ease. By evaluating the property’s rental income, these loans offer a streamlined solution for those looking to purchase or refinance investment properties without the traditional qualification barriers.
Choosing the Right Home Loan for Your Needs
Selecting the best home loan starts with understanding how you can demonstrate your ability to repay. For owner-occupied residential properties, qualification depends on income verification through tax returns, W-2s, or pay stubs. Self-employed borrowers can qualify using bank statements or profit and loss statements, while high-net-worth individuals may leverage their liquid assets over 60 to 72 months to show repayment ability. For non-owner-occupied properties, options include no-tax-return investment property loans, hard money loans, and commercial property loans.
Get Approved Fast with Non-QM Loan Options to find the best financing solution for your unique situation. If you’re ready to explore your options, contact me today to discuss the various loan programs available. Get Approved Fast with Non-QM Loan Options and access the flexible financing you need to achieve your real estate and financial goals.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me directly at 619-723-8623, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private 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
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Mike Bullard, today at 619-723-8623, or email me at Mbullard@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) Typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
