Meet Valor Lending Group! Valor features every loan in the book. Whether you are seeking a purchase money loan, rate and term refinance or a cash out refinance, we’ve got you covered!
Best California Jumbo Loans.
Valor Lending group features the very best California jumbo loans.
-
We offer full documentation low rate loans, and stated income loans, and hard money loans up to $5,000,000. Our borrowers choose from 5,7,10 and 30 year fixed rate loans. Most often with our full doc low rate loans our services are ‘free’ of charge to the borrower.
-
What is a jumbo loan? A jumbo loan is one that exceeds the subject property county guidelines for conforming and high balance conforming loan amounts.
-
Although there are many jumbo lenders in California, most of them only fund up to $2,000,000-$3,000,000. Therefore, most borrowers really appreciate Valor’s ‘super jumbo’s’ up to $5,000,000.
Check your county limits here:
California conforming loan limits
No Tax Returns? No Problem! Best Mortgage Loans | Our bank statement program provides the following features:
-
No Tax Returns? No Problem! Best Mortgage Loans
-
Up to 85% LTV
-
Credit scores starting at 660
-
4 years seasoning for foreclosure, short sale, bankruptcy or deed-in-lieu
-
No tax returns require
-
Loans up to $3 million
-
Purchase and cash-out or rate-term refinance
-
2 years self-employed required (must own at least 50% of the business)
-
24 month business bank statements
-
Owner-occupied, 2nd homes and non-owner occupied
If you would like more details on qualification and requirements, I am available to answer any questions you may have.
Best Hard Money Options| Valor Lending Group | Typically without an appraisal**
- Are you buying a new investment property? We offer the best hard money options.
- Are you buying a new investment property and need to pull cash out of other real estate owned for the down payment?
- Do you need cash out from a current property owned to pay off a business purpose?
- Do you need cash out from a current investment property to improve that investment property?
- Valor has your best hard money loan options.
*Valor Bridge Owner Occupied:
Do you need to pull cash out of your primary residence for a business purpose?
- Property being used as the borrower primary residence
- terms of up to 11 months
- Max LTV of 72% on 1st TD | Max CLTV 65% on 2nd TD
- No Prepayment Penalty
- Interest Only starting in the 9s
*Owner occupied for California Properties ONLY
Valor Investment Property | Non owner occupied:
Property being used as the borrowers investment property
- Terms 1 to 2 year
- Max LTV of 80% | note: Are you buying below market value? We can use the higher “as is” value with as little as 10% down!
- No Prepayment Penalty
- Interest Only starting in the 7s
Valor Cross- Collateral Loan:
Do you have a portfolio with properties that have available equity?
- Cross for 100% financing when crossing other real estate owned at 65% CLT for 100% Financing
- Terms of 1-2 years
- Max CLTV of 65%
- No Prepayment Penalty
- Interest Only starting in the 9s
**no Appraisal Subject to lender discretion on a case by case basis
Google Reviews
Give us a call or email to receive immediate attention to your scenario!
