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Meet Valor Lending Group

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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

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Give us a call or email to receive immediate attention to your scenario!

 

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