How to Buy Your First Home Stress-Free | Valor Lending Group

How to Buy Your First Home Stress-Free starts with partnering with the right team. At Valor Lending Group, I’m dedicated to making your home-buying experience smooth, simple, and empowering. With my expertise and knowledge, I’m ready to guide you through every step of the process, ensuring you feel confident and informed.

For many first-time buyers, purchasing a home can feel overwhelming—but it doesn’t have to be. Think of it as a journey, not a race, and it can be a rewarding experience with the right support.

From pre-approval to closing day, I’m here to simplify the process and help you make the best decisions at every turn. Let Valor Lending Group take the stress out of buying your first home and turn your homeownership dreams into reality!

How to Buy Your First Home Stress-Free

1. Prequalify for Your Loan

The first step in How to Buy Your First Home Stress-Free is prequalification. Your Loan Officer will help you choose a loan that fits your financial goals. Submit your application with the required documents to get started.

2. Find Your Dream Home & Submit Your Application

Once you find the perfect home, submit your loan application. Your Loan Officer will review everything and ensure a smooth process by requesting additional documents.

3. Loan Processing

Your loan is then submitted to an Underwriter for review. They’ll verify your information and ensure compliance with lender guidelines. Your Loan Officer will keep things moving quickly by addressing any additional requirements.

4. Schedule Your Closing

Once approved, your loan will be “Clear to Close.” Your Loan Officer will coordinate with everyone involved to schedule the final signing and bring you one step closer to your new home.

5. Closing Day

At closing, you’ll sign the final documents and settle any costs. It’s the last step before receiving the keys to your new home!

6. Congratulations!

You’ve officially learned How to Buy Your First Home Stress-Free! Welcome to homeownership, it’s time to celebrate!

Ready to start?

Contact Hayden Madison, the Loan Officer of 2023, at Valor Lending Group today!

Call Hayden Madison directly at 858-349-7538

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
$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
$4,775,000 Loan amount | Private 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 | Private 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. 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