“True” Stated Income loan:
No tax returns, no W2’s, no pay stubs, AND NO 12-24 months bank statements. Loans up to $2.5mm / Rates from *4.75% for a 30 year loan fixed for 7 years.
Must be self employed business owner in the same location for over 2 years with a minimum FICO score of 720 for purchase (740 for cash out refi). Easier qualifying if you have a website or if your company appears on an online directory. Requires a letter from your tax preparer.
Major credit event seasoning: Loan Modification 2 years/Short Sale 2 years/Bankruptcy 3 years/Foreclosure 5 years
Fix and Flip Loans:
We have a loan program to take care of the investor needs.
We have a new program available:
Rate as low as **7.49%**
Financing up to 12 months
Interest only payments
Up to 90% of acquisition and rehab cost
Call or email me for immediate attention to your scenario!
Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.
Valor Lending Group also offers literally every loan in the book!
*5.29% APR, 60% LTV, $1.00mm Loan amount 740 Credit Score*
**8.29% APR, Based on California Property, 25 or more Flips in 24 months, 720 credit score**
Recap of our Loan Products:
- Stated Income Loans (Great for business owners and self employed )
- Foreign Nationals Loans (no social security or residency required)
- Hard Money Loans (30-50% down / minimal documentation) Fund in 7-10 days.
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- 2nd Position Loans up to $5mm
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- Flipper Loans (Flip a property with one of our many options)
- 1% down Jumbo’s with NO MI up to $2.5mm
- Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
- Acreage Properties
- Commercial Loans up to $100mm
- 5% down Conventional (Lender paid PMI)
- Cannabis Loans
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
- High Balance Conforming aka Super Conforming (from $417k-$625k)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm
- FHA, VA, USDA
- ARM’s
- Reverse mortgages up to $10 Million Value
- Refinance including Cash Out
Please don’t hesitate to call me for immediate attention to your scenario!
Surf and Sunshine,
Stefanie Prescher
Loan Officer
CA BRE# 01970140
NMLS# 463609
Valor Lending Group
“Pride in Lending”
Petco Park
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Direct: (616) 485-8784
Office: (619)344-2640
Fax: (619) 255-0602
web: www.valorlending.com
smprescher@valorlending.com
