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At Valor Lending Group we offer powerful financing tools for borrowers that do not require tax returns. We have loan options including:

Updated Bank Statement Programs

3 Months

• Business Bank Statements
• Max LTV up to 80% with 620 FICO
• Min. FICO 580
• Must have 24 Month CPA Prepared P&L

12 Months

• Business or Personal Bank Statements
• Max LTV 90% (Owner Occupied) 80% (Non-Owner Occupied) with 620 FICO
• Min FICO 620

24 Months

• Business or Personal Bank Statements
• Max LTV 90% (Owner Occupied) 80% (Non-Owner Occupied) with 620 FICO
• Min FICO 580
• Tax Preparer or CPA Expense Letter or Borrower Prepared P&L

Do not hesitate to Call, Text, or Email me at anytime for immediate attention to your loan scenario.

Valor Lending Group also offers literally every loan in the book! Whatever your scenario we have a funding solution. We are partnered with over 100 direct lenders, multiple pools of private investors, 2 thrifts that fund on Wall Street, a hedge fund with billions to lend, and 21 Life Insurance Companies. Check out our programs below 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 and earn your business.

Recap of our Loan Products: 

1. Stated Income Loans (No Tax Returns, no W-2s, No P&L)
2. Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed)
3. Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days.
4. Flipper Loans (Flip a property with one of our many options)
5. Line of Credit
6. 100% Financing
7. Foreign Nationals Loans (no social security or residency required)
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. 2nd-Position Loans up to $5mm
11. Investor Cash Flow Loan– No tax returns or DTI calculation! Based on subject property cash flow
12. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
13. 10% down Jumbo’s with NO MI up to $2.5mm
14. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
15. Acreage Properties
16. Commercial Loans up to $500mm
17. 5% down Jumbo (Up to $2mm Lender paid PMI)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
2. High Balance Conforming aka Super Conforming (from $484,350-$726,525)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, VA, USDA
5. ARM’s
6. Reverse mortgages up to $10 Million Value
7. Refinance including Cash Out