New Valor Private Money Mortgages | Valor Lending Group
When timing matters, flexibility matters even more. Traditional banks can slow a deal down with layers of underwriting, rigid guidelines, and financing terms that simply do not fit real-world investment opportunities. That is where Private Money financing becomes a powerful solution—and why so many borrowers turn to Billy Jones at Valor Lending Group when they need a loan structured quickly and correctly.
Valor believes there is always a way to get the deal done—you just need the right structure. With access to over 1,000 loan programs and multiple pools of private capital, Billy Jones helps borrowers move fast when opportunity is on the table.
How Private Money Loans Work
Private Money loans—often referred to as hard money or bridge financing—are designed around the strength of the real estate, available equity, and the overall loan scenario rather than traditional bank underwriting boxes.
Put simply, it is financing secured by a hard asset—real property.
These loans are commonly structured with:
- Interest-only payments
- 1, 2, or 3-year terms
- No prepayment penalty on many programs
- Fast closings, often in 5–10 days
- Funding opportunities often without an appraisal
- Loan amounts from residential lending up to multi-million-dollar commercial scenarios
At Valor, Private Money is built for speed, leverage, and flexibility.
Why Investors Like Private Money Loans
Investors use Private Money because it helps them act like cash buyers without tying up all of their liquidity.
Benefits include:
- Close quickly and compete stronger
- Avoid lengthy conventional underwriting
- Use leverage instead of all cash
- Interest-only payment options improve monthly cash flow
- Flexible loan structures based on the scenario
- Cross-collateralization options, including up to 100% financing in select structures
- Cash-out options to unlock equity for the next purchase
- Financing available when banks say no
For many borrowers, Private Money is less about rate—and more about making the deal happen.
That is where Billy Jones separates himself. He understands how to structure financing so borrowers can move confidently and quickly.
Best Properties for Private Money Loans
Private Money financing works exceptionally well for:
- Non-owner occupied investment properties
- Fix-and-flip projects
- Value-add rental properties
- Mixed-use residential income property
- Raw land and lot acquisitions
- Ground-up spec construction
- Custom home construction
- Commercial buildings
- Farms, vineyards, ranches, and agricultural property
- Acreage property
- Manufactured housing opportunities
If the property has value and the scenario makes sense, Billy Jones can often find the right capital source.
What Is Needed to Qualify
Private Money qualification is generally much simpler than conventional lending.
Typical items reviewed include:
- Property address and type
- Estimated value / purchase price
- Down payment or equity position
- Exit strategy (sale, refinance, hold)
- Credit profile
- Asset documentation where applicable
- Basic borrower overview
- Loan amount requested
Many Private Money programs feature minimal documentation, making them ideal for borrowers who need speed, simplicity, and flexibility.
Why Use Billy Jones at Valor Lending Group
Anyone can quote loan terms. Very few can properly structure a complex deal.
Billy Jones brings:
- Immediate attention to your loan scenario
- Access to private lenders, institutional capital, and niche financing sources
- Creative structuring options
- Fast pre-approvals
- Strong communication from application to closing
- A true one-stop mortgage solution company for any given loan scenario
If you are buying, refinancing, pulling equity, funding construction, or moving on a time-sensitive investment opportunity, Billy Jones at Valor Lending Group is the call to make first
AVAILABLE WEEKENDS, APPLY ONLINE 24/7, DAILY LOAN UPDATES, PHONE CALLS & TEXTS
Call or Text Billy at 714-760-1353
EMAIL: bjones@valorlending.com
Recap of Our Loan Products:
Private Money Loans (20% down / minimal documentation) Typically, funds in 7-10 days
Stated Income Loans (Great for business owners and self-employed) No tax returns!
100% financing with cross collaterizing other properties.
Valor VA Home Loan 100% financing up to $2.5MM
Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
Flipper & Rehab Loans (Flip a property with one of our many options)
Raw Land & Lot Loans
Ground-up Construction for spec homes, custom homes, and commercial ground-up.
Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
Acreage Properties
3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
Foreign Nationals Loans (no social security or residency required
Also:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, VA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance
**Rates and terms are subject to change without notice
**Rates and terms are subject to change without notice
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private 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
Call or Text Billy at 714-760-1353
EMAIL: bjones@valorlending.com
