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New Valor Jumbo Mortgage Loan

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New Valor Jumbo Mortgage Loan | Valor Lending Group

VALOR LENDING GROUP HAS THE NEW VALOR JUMBO MORTGAGE LOAN PROGRAMS YOU HAVE BEEN SEARCHING FOR!

Looking for a high-end luxury home?

Discover Valor’s Jumbo Loans TODAY!

A Jumbo Loan is a conventional home loan that surpasses the conforming lending limits of Freddie Mac and Fannie Mae.

Discover Valor Lending Group’s New ARIZONA and CALIFORNIA Jumbo Mortgage Loan Programs available for you TODAY! 

Give us a call today to discuss our New Jumbo Loan Programs!

If you are a real estate investor, self employed, or full document qualifier we have many different loan options that will fit all your needs.

 Valor Lending Group can provide jumbo loan financing for primary residence, second homes or investment properties.

We have helped thousands of Californians and real estate investors nationwide. We are excited to announce we are now serving all of Arizona. There is no question too big or too small that we won’t be able to help you with. We pride ourselves on our top-notch communication skills to tackle any situation that comes our way. Reach out to us today, and one of our loan officers will get back to you ASAP with advice you can trust.

The time is now to trust Valor Lending Group with your dreams of the future, so don’t wait, let us get started on a scenario for you TODAY!

What is a Jumbo Loan?

A Jumbo Loan is one that exceeds the county guidelines for conforming and high balance conforming loan limits set by Fannie Mae and Freddie Mac. (Arizona county limits here) (California county limits here)

Valor Lending Group has a number of full document financing solutions for purchase, refinance, and cash out Jumbo Loans, we have options that allow you to secure and maintain the luxury property of your dreams.

Why Use Jumbo Loans?

Traditional mortgage lenders require tax returns, W-2s, and paycheck stubs in order to determine monthly income. For salaried and hourly borrowers, the lenders look at gross income for qualifying purposes. But for self-employed borrowers, traditional mortgage lenders look at net income, the adjusted gross income showing on tax returns. The qualifying income is viewed in conjunction with all debts, and a debt-to-income (“DTI”) ratio is calculated. Traditional mortgage lenders would be required to have a DTI of no more that 35%, however, at Valor Lending Group our funding sources typically allow up to 50% DTI and a lower credit score and down payment requirement.

How Do You Qualify For A Jumbo Loan?

You qualify for a Jumbo Loan in the same way as a conventional or high balance loan, with full documentation, such as 2 years tax returns, W2s, most recent pay stubs, etc.

New Valor Jumbo Loan Programs | Highlights:

  • 90% Max LTV | As Low as 10% Down!
  • 40-year fixed term with IO
  • Max Loan Up to $25M (Most lenders cap at $2M-$3M)
  • Flexible Guidelines
  • 15, 20, 25 & 30 Year Fixed Interest Rates
  • Non-occupant co-borrower + Gift Funds
  • Interest-Only with 680 + Fico
  • 90% LTV cash out (Up to $1.5M)
  • 2-year seasoning – short sales + bankruptcy
  • 3-years seasoning – foreclosure
  • As low as 600 Fico
  • DTI Allowed up to 50%
  • Valor boasts the very best communication, service, rates and performance in the industry
  • Valor ensures the very best pricing by shopping with many direct lenders so you don’t have to!!

Who Is A Jumbo Loan Right For?

At Valor Lending Group, we have Jumbo Loans perfect for the high income and strong asset borrower who is looking to buy or refinance a luxury home in high end markets.

In addition, we also offer full documentation low rate loansstated income loansand hard money loans.

Advantages and Disadvantages of Jumbo Loans

1) Pros of Jumbo Loans
  • Higher Loan Amounts
  • Luxury Homes purchase (better schools, lower crime rates, larger homes)
  • No Mortgage Insurance (for some lenders)
2) Cons of Bank Statement Loans
  • Higher Interest Rates
  • Lower Leverage
  • Lower debt to income ratio, typically at 35% DTI
  • Higher reserve requirements
  • More stringent underwriting guidelines

The Bottom Line

Jumbo loans provide borrowers with the opportunity to acquire much higher value, larger homes in the most desirable communities throughout the country. Additionally, borrowers will not have to come in with the difference in cash above the conforming loan limits. When seeking these higher-end luxury homes. Not every lender offers jumbo loans, it is best to identify and partner with a jumbo loan specialist such as Valor Lending Group.

We also offer: 


CALL or EMAIL ME for immediate attention to your scenario!

Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.

Valor Lending Group offers EVERY mortgage loan in the book!

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:
  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 $3mm
  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 to $10 Million / Super low rates! / 10% down Jumbo to $3mm
  4. FHA, USDA
  5. Reverse mortgages up to $1 Million Value
  6. Cash Out Refinancing

**Rates and terms subject to change without notice

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