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Outstanding True Stated Income Loans in Florida | Valor Lending Group

Are you interested in the Outstanding True Stated Income Loans in Florida?

Valor Lending Group has you covered!

We are happy to announce that we are now licensed in California, Arizona, and FLORIDA!

We are excited about the opportunity to offer EVERY LOAN IN THE BOOK to the beautiful Sunshine State and look forward to raising the bar in mortgage loan financing!

What are the Outstanding True Stated Income Loans in Florida

Experience the Modern Evolution of Outstanding True Stated Income Loans in Florida, a smart and efficient solution for today’s borrowers. Unlike the early 2000s, where income was merely stated without verification, our 2022 True Stated Income Loan offers a streamlined process with a focus on asset reserves.

Why Choose a True Stated Income Loan?

Today’s True Stated Income programs require only proof of asset reserves, eliminating the need for tax returns. Verification is simple—just provide a single month’s bank statement. Whether you’re self-employed or a W2 wage earner, you can use both personal and business bank statements to verify your assets.

Program Highlights for Outstanding True Stated Income Loans in Florida:

• Flexible Ownership Options: Available for owner-occupied and second homes
• No Income Stated: Simplify the process with no need to state your income
• Minimal Documentation: Only a one-month bank statement required
• Generous LTV Ratios: Up to 80% LTV on purchases and rate/term refinances
• Cash-Out Options: Access up to 70% LTV for cash-out refinances
• High Loan Limits: Secure loans up to $3MM
• No Tax Returns Needed: Skip the hassle of tax documentation
• No Employment Verification: Focus on your assets, not your job
• Credit-Based Approval: Creditworthiness based on LTV, credit score, and liquidity

With a minimum credit score of 700 and a down payment of 20% or more, you can take advantage of this innovative loan program. Embrace a hassle-free mortgage process with the True Stated Income Loan and unlock the potential of your financial assets.

Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Hard 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
$1,950,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 70% LTV | Berkeley, CA
$3,100,000 Loan amount | 12 Month Bank Statement Loan | Purchase | 43% LTV | Coronado, CA
$1,790,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | Berkeley, CA
$1,008,000 Loan amount | Full Doc Jumbo Loan | Purchase| 80% LTV | Anaheim, CA
$1,740,000 Loan amount | Hard Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 62% LTV
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV! | Ventura, CA
$2,100,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina

And many more.

We do them all, so give me a call!

Recap of Our Loan Products:

1. Hard Money Loans (20% down / minimal documentation) Typically, funds 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 $2.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s 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. 10% down Jumbo’s up to $1.5MM
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 years Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 Million / 10% down Jumbo to $1.5MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1MM Value
7. Refinance including Cash Out

**Rates and terms subject to change without notice