New 2nd Position Loan Programs

Are you interested in learning about our 2nd Position Loan Programs?

Are you buying a new investment property? or

Are you buying a new investment property and need to pull cash out of other real estate owned for the down payment? or

Do you need cash out from a current property owned to pay off a business purpose? or

Do you need cash out from a current investment property to improve that investment property?

Valor Lending Group can fund your HARD MONEY 2ND POSITION LOANS up to $10MM in as little as 7-10 days often times without an appraisal.

2nd Position Loan Options:

• 2nd Position HELOC (Home Equity Line of Credit)
  • Requires 2 years tax returns with a MAX DTI of 50%
  • Up to 90% CLTV on owner occupied primary residence
  • Typically 10 year draw period and 10 year pay back period on a 30 year amortization
  • ONLY make payments on the balance drawn upon (like a big credit card)
• Close Ended 2nd Position (Owner Occupied and Investment)
  • Qualify with 2 years tax returns OR 12-24 month bank statements for self-employed individuals
  • Up to 90% CLTV on owner occupied and primary residence
  • MAX DTI of 50%
  • DSCR available up to 70% CLTV (no tax returns and no DTI calculated)
  • Loan funded in one lump sum
• 2nd Position Business Purpose  (Short Term Hard Money)
  • 65% MAX CLTV behind a 1st TD bank loan
  • Loan funded in one lump sum
  • Short-Term Interest Only Loan up to 12-24 months
  • No Prepayment Penalty
• 2nd Position Consumer Bridge (Owner Occupied ONLY)
  • Departing residence required – leverage available equity in departing residence for down payment on your new primary residence while your departing residence sells
  • 65% MAX CLTV behind a 1st TD bank loan
  • Loan funded in one lump sum
  • Short-Term Interest Only Loan for 11 months
  • No Prepayment Penalty

No appraisal subject to lender discretion on a case by case basis

---

Needs for Quote (email Mikey B the following):

1. Property Address:
2. Purchase Price (for Purchase):
3. Property “as is” Value:
4. Current Balance (for Refinance):
5. Total Monthly Rents (confirm if long term or short term Airbnb leases):
6. Monthly Taxes and Insurance:
7. Approx. Credit Score:
8. Vesting in and Entity or Individual name:

Other Programs Available

• Hard Money Loans
• Fix and Flip Loans
• Commercial Loans
• Save your Deal | We Save Deals

---

We are NEVER too busy for your referrals!

WE SAVE DEALS!

TRUST US TODAY!

---

Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Hard 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 | Hard 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 | Hard 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 | Hard Money 2nd Position Bridge Loan | Cash Out Refi | 61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Hard 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 | Hard 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. Hard Money Loans (20% down / minimal documentation) Typically Fund 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 $1.5MM
5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
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. Conventional Conforming Loans
2. High Balance Conforming
3. Jumbo Loan Financing | 10% down Jumbo to $1.5mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

**Rates and terms subject to change without notice

---

We are never too busy for your referrals!

For the most up to date mortgage news visit: Mortgage News Daily

Check out our GOOGLE REVIEWS

Did we miss anything?

• Call or Email me (Michael Bullard) if there is any information that we have missed
• Follow us on Social Media
• Share this on your Social Media
• Do not hesitate to give us your feedback
• Ask us for a quote
• Visit our homepage to check out what Valor Lending Group has to offer