New Short-Term Bridge Loan Options


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New Short-Term Bridge Loan Options

3 Options | Valor Lending Group | Typically without an appraisal

Are you interested in learning about our New Short-Term Bridge Loan Options?

Looking to purchase your dream home but at a stand still because your current home has not sold yet?

A bridge loan is a short-term loan, also referred to as a swing loan, cross loan, or flip loan. It is a short-term loan that allows borrowers to help you to lock down the purchase of your new home while you are in the process of selling your current home. There will be a few factors that will determine the terms of your bridge loan, for the most part most bridge loans will pay off the balance of your current home and will provide you with a precise down payment for your new home.

Valor Lending Group has had the pleasure of serving all over the beautiful state of California and now we are taking on the state of Arizona! We are here to help you with the ins and outs of the mortgage bridge loan process.

New Short-Term Mortgage Bridge Loan Options Available TODAY!

We work with the absolute best to get you the top rates and scenarios around.

Valor Lending Group is waiting for your CALL or EMAIL today!

New Short-Term Bridge Loan Options

3 Options | Valor Lending Group | Typically without an appraisal

So you may have asked yourself, what is a hard money loan? Some homeowners are familiar with hard money consumer bridge loans, aka “bridge money” in the context of purchasing a home while waiting for their departing residence to sell. But in essence, most if not all hard money loans can be viewed as a “bridge” from one financial situation to another. Hard money loans are a great solution for temporary funding needs. These days hard money loans have become not only increasingly more commonplace, but a powerful tool for real estate investors. It is essential to know when hard money is right for your scenario, because in the right circumstances it is an indispensable tool for every real estate investor, providing a quick and versatile way to acquire real property.


Valor Bridge Owner Occupied (Consumer Bridge Loan):

Do you need to pull cash out of your primary residence for a business purpose?

  • Property being used as the borrower’s primary residence
  • terms of up to 11 months
  • Max LTV of 75% on 1st TD | Max CLTV 65% on 2nd TD
  • No Prepayment Penalty
  • Interest Only starting in the 7’s

*Owner occupied for Arizona and California Properties ONLY

Valor Investment Property | Non owner occupied:

Property being used as the borrower’s investment property.

  • Terms 1 to 5 years
  • Max LTV of 80%
  • No Prepayment Penalty
  • Interest Only starting in the 7’s

Valor Cross- Collateral Loan:

Do you have a portfolio with properties that have available equity? 

  • Leverage 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 7’s

**no Appraisal Subject to lender discretion on a case by case basis

Needs for Quote (email Stefanie 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!



Recap of our Loan Products:
  1. Stated Income Loans (No Tax Returns, no W-2s, No P&L) up to $3M
  2. Bank Statement Income Loans (Great Bank Statement Programs 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) up to 90% leverage
  5. Commercial Line of Credit
  6. 100% Financing (cross collateralize- hard money)
  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 to $500M
  10. 2nd Position Loans up to $5M
  11. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow
  12. Farms, Vineyards, Ranches and Agricultural Properties (20-30% down)
  13. 10% down Jumbo’s with NO MI up to $1.5M
  14. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
  15. Acreage Properties
  16. Commercial Loans up to $500M
  17. 5% down Jumbo (Up to $2M Lender paid PMI)
We also offer:
  1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $647,200)
  2. High Balance Conforming aka Super Conforming (from $647,200-$970,800)
  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

**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

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