LTV to loan amount as follows:

  • 80% to $300,000
  • 75% to $400,000
  • 70% to 500,000
  • 65% to $750,000
  • **By exception, loan amounts above $750,000 (Loans up to $2mm are available with only 25% down)
  • 3/1 ARM (fixed 3 years)
  • Minimum 680 Credit Score

Single-Close Custom Home Construction Loan 10/1, 7/1 & 5/1 ARM available

  • 90% LTC to a loan amount of $3,000,000
  • This single close construction loan program is also the permanent financing and pays off lot loan
  • Minimum loan amount $350,000

Spec Home Construction Loan

  • Fixed for construction term of 12 months
  • This is not a single close construction loan
  • Lesser of 80% loan-to-cost or 75% loan-to-value
  • Loans up to $10,000,000

Flexible Spec loan-to-values:

  • 80% to $3M
  • 70% to $3.5M
  • 65% to $5M
  • above $5M, case by case

*700+ Credit Score required*

Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at the time of applications. Information and/or data are subject to change without notice. All loans are subject to credit approval. Valor Lending Group 350 10th Ave 10th floor #1008 San Diego, CA 92101. NMLS# 1600345 CAL BRE# 02026238. Licensed by: State of CA Bur of Real Estate. NMLS Consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1600345
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