There are many new programs out there to help qualify your clients, many of which fall into the Non-QM realm. With Non-QM mortgage lenders, starting to understand that tax returns and tradition underwriting guidelines, do not tell the full story of the borrower. With the new and improved VOE program will help get your clients in the home they deserve with the money they truly earn.
Call or email me for immediate attention to your scenario!
Valor Lending Group also offers literally every loan in the book! Check out more information on our programs CLICK HERE and please do not hesitate to call on me for any scenarios. I look forward to an opportunity to demonstrate my prompt and professional service.
Recap of our Loan Products:
- Stated Income Loans (No Tax Returns, no W-2s, No P&L)
- Bank Statement Income Loans (Great Bank Statement Program for business owners and self-employed)
- Hard Money Loans (20-50% down / minimal documentation) Fund in 7-10 days.
- Flipper Loans (Flip a property with one of our many options)
- Foreign Nationals Loans (no social security or residency required)
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- 2nd Position Loans up to $5mm
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s with NO MI up to $2.5mm
- Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
- Acreage Properties
- Commercial Loans up to $100mm
- 5% down Jumbo (Up to $1.5mm Lender paid PMI)
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
- High Balance Conforming aka Super Conforming (from $417k-$625k)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm
- FHA, VA, USDA
- Reverse mortgages up to $10 Million Value
- Refinance including Cash Out
NMLS ID: 1695295
Cal BRE: 02053995
Valor Lending Group
“Pride in Lending”
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Cell: (661) 878-3685
Fax: (619) 255-0602