Meet Darren Carlin

Darren Carlin
CEO
CA DRE #01935124
NMLS #1016245
Valor Lending Group
'Pride in Lending'
Petco Park
Diamond View Tower
350 10th Ave - 10th Floor
San Diego, CA
Direct: (925) 872-0695
Office: (619) 344-2640
Fax: (619) 872-2400
web: www.valorlending.com
dcarlin@valorlending.com

Darren Carlin was born and raised in Colorado Springs, Colorado. He is a 30+ year highly polished sales and finance career professional. For over two decades he was the finance director for several large organizations. Although lucrative positions, he did not find them personally satisfying. While considering his options for a more rewarding career, he found his calling in luxury real estate sales and finance in the San Francisco Bay area. He was promoted quickly due to his dedication to excellence to Vice President and Jr. Partner of Pacificwide Lending. In 2016 Darren decided to further his career and move he & his family to Beautiful San Diego California to open his own mortgage brokerage, Valor Lending Group. The agency opened in the very prestigious Diamond View Tower, 10th floor at Petco Park. Valor Lending Group has been able to attract and retain some very talented loan officers and the business is growing every day.

Valor Lending Group mission statement; "To provide an extremely high level of service that makes each of our clients feel though they are our only client".

"Pride in lending"

Excellent. Simplicity. Limitless.

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  • Nationwide Investor Cash Flow (DSCR) Loans | Avoid Hard Money!

    Unlock the equity in your investment property!  Valor Lending Group’s Investor Cash Flow mortgage program allows you to qualify based on personal credit and property cash flow.  No personal income required to qualify, no need to submit income s...

  • California Fast Hard Money Loans As Low As 6.99%*?!

    That’s right! Valor Lending Group has access to an exclusive fund that will allow 6.99%* interest only payments for 1 year! We Save Deals! That’s What We Do! Valor Lending Group saves real estate transactions with our fast, easy, inexpensive ha...

  • Homeowner Equity Reaches All Time High In Q2 2019

    Valor Lending Group features an incredible array of loan programs to tap into that hard earned home equity. http://www.mortgagenewsdaily.com/09202019_negative_equity.asp by: Jann Swanson Homeowner Equity Reaches All-Time High in Q2 Decrease Font Size...

  • Housing Permits & Starts Hit The Highest Level In A Year!

    Valor Lending Group features an incredible array of ground up construction loans, flipper loans & rehab loans for any given scenario! by: Jann Swanson Housing Permits and Starts Hit Highest Levels in a Year Sep 18 2019, 9:43AM August turns out to...

  • Rising Refi’s And Record Low Delinquencies

    Rising Refi’s And Record Low Delinquencies Low interest rates continue to expand the pool of refinancible mortgages and bolster mortgage prepayment rates according to Black Knight’s Mortgage Monitor.  The company, noting that Freddie Mac&...

  • Mortgage Rates Hold Steady

    Mortgage Rates Hold Steady Mortgage rates held steady today, which is a victory in light of yesterday’s big jump higher.  Part of that jump was due to fear that today’s jobs report would strike a similar tone to some of this week’s ...

  • Treasury Rolls Out Huge Fannie/Freddie Reform Plan

    The Treasury Department released the Trump Administration’s long-awaited plan for reforming the nation’s housing finance system on Thursday. Treasury says the Plan “includes nearly 50 recommended legislative and administrative refor...

  • Home Prices Are On The Rise Again

    A second housing price index is showing an uptick in the rate of appreciation, possibly because interest rates declines have begun to mitigate affordability issues.  CoreLogic says its Home Price Index for July was up 3.6 percent in July, the annual ...

  • Homeownership is the Top Contributor to Household Wealth

    Valor Lending Group features every loan in the book to assist America in realizing the dream of wealth! Homeownership is the Top Contributor to Household Wealth Two US Census Bureau researchers have determined that the biggest determinants of househo...

  • Refinancing Wave Continues, Lenders May Have Capacity Restraints

    Valor Lending Group has plenty of capacity! We are always striving to increase our capacity to provide these high value services to our Great Nation “The volume of mortgage applications continued to be shored up by refinancing during the week e...

Testimonials

...the great job you did for me and recommend you highly.  
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Darren,

I'll make sure that all my agents know about the great job you did for me and recommend you highly.

Steve Spears
President/CEO
CalDRE# 00754415
677 Portola Drive, San Francisco, CA 94127
O: 415-664-9400 x202 | E: SteveS@BHHSFranciscan.com

BHHSFranciscan.com

Darren is the most amazing lender I have ever worked with.  
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Darren is the most amazing lender I have ever worked with. Astonishing.
Most of our deals are cash but we are thrilled to have you in our arsenal, we are blown away by you, Darren. Thank you!

Jan Wright Bessey/Realtor
Since 1993
Sotheby’s International Realty
Carmel Valley, CA

Thank you for the Fannie Mae approval!  
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Darren:

Thank you for the Fannie Mae approval!

And, you betcha…I will happily refer you to my clients! You are great to work with and I appreciate your competence and willingness to go the extra distance. Having a lender like you is not easy to come by! You do your profession proud.

Thank you again and enjoy this gorgeous day!

Jan M. Merges
Realtor®
925.989.5921
Coldwell Banker
BRE #01712875

Obtaining a loan through Darren Carlin was an incredibly smooth experience.  
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We are proud to post a very satisfied client:

To whom it may concern,

Obtaining a loan through Darren Carlin was an incredibly smooth experience. The home loan process is a complex one and requires a significant amount of documentation, but Darren and Andrew led me through the process with ease. They were always available and quick to respond to all my questions and concerns, even on weekends. Because of their diligence and speed, we were able to get loan approval within the narrow 10 day window I had for evaluating all my contingencies on the house. What I enjoyed most is that they provided their earnest insight into how the home loan process works. Anyone looking to finance the purchase of a home should definitely consider working with Darren Carlin.

Dean

My wife and I have been extremely satisfied and pleased  
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Darren,

My wife and I have been extremely satisfied and pleased with our recent home refinancing through Pacificwide Lending. From our first meeting with Andrew Liu and Darren Carlin, we were impressed with their straight forwarded and honest analysis and discussion of our needs. They discussed the pro’s and con’s of the various options and their recommendation for type of loan that would best fit our requirements, clearly answering our many questions, but exerted no pressure as to our final choice.

Then, with their timely, pleasant, and persistent assistance in providing and explaining the information required by the lender, and date of “locking-in” the Annual Percentage Rate, our loan was approved very quickly, within a month, with no problems. They were able to finalize the loan with the lender at a rate and cost below the initial estimate.

We highly recommend Pacificwide Lending, and both Andrew Liu and Darren Carlin specifically, to anyone considering a purchase or refinance loan. They were both efficient and pleasant to work with.

Jim & Kathy Lyon

Thank you so much for all your hard work in getting my loan funded  
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Darren…You and Hong are awesome! Thank you so much for all your hard work in getting my loan funded.

Mick Sterling

I completely agree – Darren has been fantastic!  
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I completely agree – Darren has been fantastic!
~Tracy
Tracy Travaille
Licensed Broker, CalBRE 01710051
Travaille Transactions Inc.

These guys are AWESOME!!  
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We always provide 5 star service, the best interest rates on our Mortgage Loan Products, full communication throughout the Loan Process and smooth, timely closings.

Testimonial:

These guys are AWESOME!! Not being in the best financial situation, I was referred to them from a friend for a refinance. I’ve always heard horror stories about how these things go. It was the complete opposite from the moment Darren came to my home. He made everything simple and easy. Even after I messed up and threw a big wrench in the deal, he did a lot of footwork and was able put life back into it. All without adding a big stress or turning my life upside down. Big Thanks to Darren and Team for playing the role they did in getting my family into a better space. 5 Star Service front start to finish!! Thank You!!

Dallas & Vanessa Morris

I am very fortunate to have found you.  
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Valor Lending Group does it again! We save deals, that's what we do! Valor funded this hard money loan in 3 business days! We received the scenario on Saturday, Monday sent disclosures, Tuesday sent loan docs, funded and recorded on Wednesday!
Property type: 2 SFR's in San Ramon
Price: $2.75mm
Loan amount: $1.925mm
LTV: 70%

Testimonial:

"Hi Darren, I trust you are having a great long weekend. I Just wanted to take time to send you this note. From the moment I made the 1st call to your cell phone on a Saturday morning to the funding of the Loan within 3 business days is just unbelievable!

Your assuring voice after you have received and reviewed all the docs that you will be able to close this within a demanding deadline for 5 days is a testament to your confidence of making things happen.

You ensured before leaving on vacation to have my loan funded and assigning your VP to further answer any questions shows your commitment to customer service.

I am very fortunate to have found you. Looking forward to doing more business in the future.
Thank you and God Bless You and your Business!"

John Sathri

You guys were outstanding. Thank you!  
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You guys were outstanding. Thank you!
Steve Spears
President/CEO
Franciscan Properties
CalBRE# 00663471
677 Portola Drive, San Francisco, CA 94127

Darren is the absolute best in the business!  
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Darren is the absolute best in the business! I had him fund 2 loans for me within the same year and he was able to do both no matter what obstacles were in the way. There are a ton of good lenders out there, but only a few great ones. Darren is a great one for sure!

Nguyen Pham
Sunh Fish

$937k purchase money stated income loan & $450k stated refi loan

It was a pleasure to work with Darren Carlin  
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It was a pleasure to work with Darren Carlin and Pacificwide Lending. Mr. Carlin was responsive to all questions, dependable and reliable in accomplishing the task at hand. I was most impressed with the turnaround and how quickly he is able to help his clients. Mr. Carlin made sure that all of our questions were addressed as soon as possible. He helped me out when I was stuck in a pickle and he walked me through it. We closed a conventional loan within 1 week. I am ever so grateful to him and his team. Thank You Darren!

Jeet Kaur
K&K Techonology
Fremont, CA

Darren Thanks for all that you did in this transaction, it went so well!  
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We are finished!!!

Darren Thanks for all that you did in this transaction, it went so well!

Sylvia Sotomayor
Realtor Associate
GRI, SRS / License # 00960684
RE/MAX Accord
——————————————————————————-
Good day Miss Sylvia,
The loan documents are printing…..

Thanks for all your extra efforts Darren and Andrew in getting this done so fast.

Sincerely,

Bridget Davis, Sr. Escrow Officer, AVP
Fidelity National Title
4683 Chabot Drive, Suite 150
Pleasanton, CA 94588 — at Pacificwide Lending.

I want to personally thank you for making this happen for Brian and Anastasia.  
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Hi Darren,

I want to personally thank you for making this happen for Brian and Anastasia. They were so very relieved and just plain tickled to receive keys today. The house is so beautiful and I think they will be very happy with their new home for years to come.

Tracy and Steve – thank you again for recommending Darren. He got the job done at a time when we thought all was lost.

My best to you all, Ravi

Ravi Malhotra Realtor, Top Producer , Zephyr Real Estate
| Mobile: (415) 810-3506

ravimrealhome@aol.com | www.zephyrsf.com

You are hands down one of the best lenders I have ever worked with!  
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Thank YOU Darren, it has been great to work with you. Appreciate all your help to make sure we can close on Monday afternoon. You are hands down one of the best lenders I have ever worked with!

Christine J. Kelso
AVP/Escrow Officer
Chicago Title Company
3785 Via Nona Marie, Suite 107
Carmel, CA 93923

Darren was great to work with.  
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Darren at Pacific Wide Lending was great to work with. He kept me informed throughout the whole loan process and was very responsive to all my questions. He was able to get me the lowest rates for my refinance. I recommended him to my sister and she was able to save over a thousand dollars a month. I highly recommend him and look forward to working with him in the future.
Jose Sandoval
VP, Vendor Relationship Manager
Residential Lending

Thanks for making this happen!  
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Darren, we signed our loan docs last night and should fund Friday.

Thanks for making this happen!

Richard Mainz

$500k 2nd position construction completion loan

We would like to thank you so much for all of your help in funding our Recent loan.  
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Dear Darren,

We would like to thank you so much for all of your help in funding our Recent loan. It was not easy but you made it ‘magic’! This property is so special and we are so delighted to be the new gate keepers. Please be sure to keep in touch and let us know when you are in the area so we can show you our new home.

Sincerely,
Jim & Jane Asher

$6.25mm purchase / $2.85mm fast money bridge loan

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