No Income Stated Loans | Valor Lending Group

Would you like to discover the New No Income Stated Loans?

Are you in need of a loan but you don’t know where to start?

I can help you with obtaining a mortgage loan TODAY!

Up to 80% LTV | Loan Amounts Up to $3 Million

New No Income Stated Loans Available NOW!

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These loans are beneficial for self-employed individuals and small business owners with volatile or irregular income, retired individuals, seasonal and gig workers. Also, real estate investors, owners and employees of cash businesses and newly self-employed. If you are transitioning from recent health, family or other life events an asset qualification loan would be a great avenue for you to go down. This type of loan would also be beneficial for someone that is attempting to tap into their tapped home equity, recent immigration and individuals with disqualified income.

If you are looking for a primary residence or second home I’ve got you covered! You will qualify for this loan program by credit underwritten based on LTV, FICO and Liquidity. You will NOT have to show any income documentation, there is NOT any debt-to-income ratio, income will NOT be stated. Having a FICO score beginning at 640 and reserves for 3 months could get you qualified NOW!

Best No Income Stated Loans | Program Highlights:

• Primary Residence and Second Homes
• Credit Underwritten Based on LTV, FICO, and Liquidity
• Income Documentation Not Required
• Income Not Stated
• Debt-to-income (DTI) Not Calculated
• Loan Amounts Up to $3 Million
• Up to 80% LTV
• FICO Beginning at 640
• Reserves from 3 Months
• Asset Seasoning: 30 Days

INCOME DOCUMENTATION NOT REQUIRED!

INCOME NOT STATED!

DEBT-TO-INCOME (DTI) NOT CALCULATED!

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. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
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. 5% down Jumbo’s with NO MI up to $2mm / 10% down 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. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 Million / 10% down Jumbo to $3MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1 Million Value
7. Refinance including Cash Out

**Rates and terms subject to change without notice