Qualify Easily with 12- or 24-Month Bank Statement Loans | Valor Lending Group
Are you self-employed and struggling to qualify for a traditional mortgage?
Do you show less income on your tax returns because you successfully utilize tax deductions?
Valor Lending Group has the solution for you. Qualify Easily with 12- or 24-Month Bank Statement Loans! Let us help you secure the financing you need! Contact me today to make your dreams a reality!
How to Qualify Easily with 12- or 24-Month Bank Statement Loans?
Self-employed individuals often use IRS tax codes to write off expenses, which can significantly lower their reported income. This lower income may not meet the requirements for traditional loans, which typically rely on tax returns, W-2s, and pay stubs for qualification.
The latest bank statement loan programs provide an alternative for self-employed individuals. These programs assess the total deposits in your bank account over a 12- or 24-month period to calculate your income, eliminating the need for tax returns, W-2s, or pay stubs. If you meet the criteria based on your bank statements, you can secure a mortgage loan with attractive and competitive rates.
The latest bank statement loan programs are available for loans ranging from $100,000 up to jumbo loans as high as $7,500,000 (even higher with exceptions) for both purchase or refinance.
We are excited to announce that Valor Lending Group is now licensed in Florida!
This expansion allows us to offer a wide range of tailored loan options to residents of the Sunshine State. We’re committed to providing exceptional service and raising the bar for mortgage loan financing in Florida.
Valor Lending Group is proud to serve clients in Arizona, California, and Florida with our exclusive 12- and 24-month Bank Statement Loan Programs!
Whether you’re self-employed or need alternative financing solutions, I’m here to help. Contact me today to learn more and get started on your path to financial success!
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
$1,950,000 Loan amount | Private 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 | Private 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 | Private Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Private 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 | Private 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:
- 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 is available (we can cross-collateralize other properties if there is enough equity)
- 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)
- 2nd Position Loans up to $5MM
- 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)
- 10% down Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 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, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
