Go Big with Confidence Using a Jumbo Loan | Valor Lending Group
Are you ready to take the next step toward owning your dream home?
Go Big with Confidence Using a Jumbo Loan – whether you’re a real estate investor, self-employed, or a full-document qualifier, we offer a variety of loan solutions tailored to your unique financial needs.
At Valor Lending Group, we provide flexible jumbo loan financing for primary residences, second homes, and investment properties. Now is the perfect time to turn your vision into reality. Don’t wait! Let’s explore the best loan scenario for you today!
Call me, Hayden Madison, directly today at 858-349-7538, or drop me an email at hmadison@valorlending.com
Go Big with Confidence Using a Jumbo Loan: Your Guide to Financing Luxury Properties
What is a Jumbo Loan?
A Jumbo Loan is a mortgage that exceeds county limits for conforming and high-balance loans set by Fannie Mae and Freddie Mac.
At Valor Lending Group, we offer full-document jumbo loan solutions for purchases, refinancing, and cash-out options, helping you secure and maintain the luxury property of your dreams.
Why Choose a Jumbo Loan?
Traditional mortgage lenders evaluate income using tax returns, W-2s, and paycheck stubs. Salaried and hourly borrowers qualify based on gross income, while self-employed individuals are assessed based on net income reported on tax returns. Debt-to-income (DTI) ratios play a crucial role, with conventional lenders typically requiring a DTI of 43% or lower.
At Valor Lending Group, we provide more flexibility. Our funding sources allow for DTI ratios up to 50%, along with lower credit scores and down payment requirements compared to traditional lenders. Think Big, Live Bigger with a Jumbo Loan, and gain access to financing solutions designed for high-value properties.
How to Qualify for a Jumbo Loan
Qualifying for a Jumbo Loan is similar to securing a conventional or high-balance mortgage. You’ll need full documentation, including:
- Two years of tax returns
- W-2s or 1099s
- Recent pay stubs
- Proof of assets and reserves
Lenders will assess your credit score, income stability, and debt-to-income ratio to determine eligibility.
Key Requirements for Borrowers
1) Self-Employed Borrowers
Jumbo lenders typically require a minimum of two years of self-employment history, verified through business or professional licenses. Business owners must provide two years of business tax returns showing stable or growing income. Co-borrowers’ W-2 earnings may also be considered for qualification
2) Employed Borrowers
Lenders evaluate two years of tax returns, W-2s, and pay stubs. Additional qualifying income sources include social security, pensions, annuities, and retirement distributions. If starting a new job in the same industry, an employment offer letter outlining salary, start date, and benefits may be required
a) Qualifying Hourly Employee Income
For W-2 hourly employees, lenders calculate an average based on the past two years of tax returns. They may also factor in bonuses, commissions, vacation pay, and sick leave
b) Qualifying Salaried Employee Income
For salaried borrowers, lenders consider 100% of your current salary without averaging previous years. However, commissions and bonuses are typically averaged over two years
Income, Debt & Credit Requirements
Lenders calculate your DTI ratio by comparing monthly income to all debts—including your new mortgage, property taxes, insurance, and HOA fees. Most lenders cap DTI at 43%, but Valor Lending Group offers financing with DTI up to 50% for qualified borrowers.
Jumbo loans generally require a minimum credit score of 700, though some programs offer flexibility based on additional qualifications.
Down Payments, Interest Rates & Costs
- Down Payments: Most jumbo loans require at least 20% down, though some programs allow for as little as 10% with specific conditions
- Interest Rates: Expect slightly higher rates than conventional loans due to increased lender risk. However, larger down payments and stronger credit profiles can lead to better rates
- Loan Costs: Standard fees include origination points, broker/lender fees, appraisals, and title/escrow costs. Gift funds may be allowed for down payments but not always for reserve requirements
Owner-Occupied vs. Non-Owner-Occupied Jumbo Loans
a) Owner-Occupied
Jumbo loans for primary residences and second homes allow for up to 90% loan-to-value (LTV) financing, with lower interest rates and credit score requirements.
b) Non-Owner-Occupied (Investment Properties)
Investment property jumbo loans typically require a minimum 20% down payment, higher interest rates, and stronger credit profiles. These loans can be vested in a personal name, trust, or entity such as an LLC or corporation.
Special Jumbo Loan Programs
Jumbo Bank Statement Loans
Self-employed borrowers who don’t show sufficient taxable income on tax returns may qualify with bank statement loans, using 12–24 months of bank statements to verify income. Some lenders offer loans up to $10MM or more.
Jumbo Loans for 2–4 Unit Properties
Jumbo loans are available for multi-unit residential properties. Loan-to-value (LTV) ratios decrease as the number of units increases, but financing remains an option for larger investments.
VA Jumbo Loans
VA Jumbo Loans provide 100% financing up to $1.5MM, with competitive rates and no mortgage insurance. Valor Lending Group offers VA Jumbo Loans for eligible veterans, active-duty service members, and their families:
- 640+ FICO: 10% down required for loans over $1.5MM
- 740+ FICO: No down payment required
*Lender policies may vary
Valor Jumbo Mortgage Loan Highlights
- Up to 90% LTV with as little as 10% down
- Loan amounts up to $30MM
- 40-year fixed terms with interest-only options
- DTI ratios up to 50%
- Flexible qualification guidelines
- Financing available for primary residences, second homes, and investment properties
- Fast and efficient loan processing
At Valor Lending Group, we offer unmatched service, competitive rates, and access to the best lending solutions in the industry. Go Big with Confidence Using a Jumbo Loan, let’s make your real estate goals a reality today! Call me now at 858-349-7538
Additional Loan Options
- Bank Statement Loans
- Private Money Loans
- FHA Loans
- Doctor/Dentist/Veterinarian Loans
Ready to explore your financing options? Email me today, or call me directly at 858-349-7538 to get started!
For fast and reliable financing solutions, reach out to me today!
Valor Lending Group specializes in private money loans, funding up to $10MM in as little as 7–10 days—often without the need for an appraisal.
With access to every mortgage loan option available, I’m committed to finding the perfect solution for your needs.
Call me directly at 858-349-7538, or email me at hmadison@valorlending.com
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:
- 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
