Quick Hacks to Make Your Loan Approval Stress-Free | Valor Lending Group

Are YOU Ready to Purchase Your Dream Home?

Buying a home is an exciting milestone, but the loan process can feel overwhelming without the right preparation. That’s why I’ve created Quick Hacks to Make Your Loan Approval Stress-Free to help guide you through it with ease.

To set yourself up for success, be prepared to share a few key details with your loan officer. Start by knowing your credit score as it’s a critical factor in determining loan eligibility and interest rates. Next, understand your income and assets to accurately assess your purchasing power. Finally, explore different loan programs to find the one that best suits your needs and goals.

With these Quick Hacks to Make Your Loan Approval Stress-Free, you’ll be on your way to securing your dream home in no time!

Discover 7 Quick Hacks to Make Your Loan Approval Stress-Free

1. Ensure Your Credit is Good Standing

• Regularly check your credit score:
  • Excellent Credit: 750+
  • Good Credit: 700-749
  • Fair Credit: 650-699
  • Poor Credit: 600-640

• Keep credit card balances below 40% of the limit
• It’s ideal to have at least three open and active credit accounts on your report

2. Pay Rent by Check If You’re Renting

• Lenders often require documented proof of the last 12 months of rental payments, and paying by check ensures this can be easily verified

3. Gather Proof of Employment for the Last Two Years

• Provide W-2s, tax returns, and pay stubs covering at least 30 days
• Be prepared to explain any employment gaps to your lender

4. Avoid Large Deposits or Withdrawals in Your Bank Account

• Lenders will scrutinize your bank statements and require explanations for any large deposits or withdrawals
• Unverifiable deposits, such as cash or undisclosed loans, cannot be used toward your transaction

5. Determine Your Down Payment Based on Available Funds

• Most loans require a down payment unless you qualify for a VA loan or are a first-time homebuyer. Ensure you’ve calculated enough funds to cover the down payment and closing costs

6. Obtain a Pre-Approval Letter from a Mortgage Professional

• Always request a pre-approval letter from your mortgage professional before proceeding. At Valor Lending Group, we can provide you with a pre-approval letter within 24 hours

7. Work with a Local Real Estate Agent

• A local real estate agent is familiar with the market and better equipped to negotiate effectively. Their expertise in the area will help you secure the best deal

Call me, Hayden Madison directly at 858-349-7538, or email me

Contact me today for immediate assistance with Quick Hacks to Make Your Loan Approval Stress-Free and your financing needs!

Valor Lending Group specializes in fast-private money loans, offering funding up to $10 million in as little as 7 days, often without the need for an appraisal.

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:

1. Private 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 MM / 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 are subject to change without notice