Secure a 2nd Mortgage in Los Angeles or San Diego | Valor Lending Group
Looking to leverage equity in your Southern California home or investment property? Secure a 2nd Mortgage in Los Angeles or San Diego with Valor Lending Group and gain the flexibility to fund new investments, renovate existing properties, or cover business needs, all without the long wait of traditional bank financing. From luxury condos in Beverly Hills to multi-unit rentals in San Diego, our 2nd position mortgage solutions are tailored to fit your scenario and help you move quickly in SoCal’s competitive real estate market.
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s get your 2nd mortgage approved quickly and efficiently.
Why Investors and Homeowners in SoCal Choose 2nd Position Mortgages
Whether you’re a seasoned investor or a homeowner looking to unlock equity, 2nd position mortgage loans give you access to cash without disrupting your first mortgage. Here’s why savvy Southern Californians turn to Valor Lending Group:
- Fast Closings: Fund your loan in as little as 7–10 days, often without an appraisal
- Flexible Loan Options: From 2nd position HELOCs to hard money business purpose loans, we structure financing to suit your goals
- High Loan-to-Value: Tap into equity with CLTVs up to 90% for owner-occupied homes and investment properties
- Credit & Income Flexibility: Qualify with 2 years of tax returns, bank statements for self-employed borrowers, or DSCR options for non-owner-occupied investments
Types of 2nd Position Mortgage Loans in SoCal
2nd Position HELOC
- Owner-occupied primary residence
- Max CLTV up to 90%
- Interest-only payments on funds drawn
- 10-year draw period and 10-year repayment period on a 30-year amortization
Closed-End 2nd Position Loan
- Owner-occupied or investment properties
- Qualify with tax returns or 12–24 month bank statements
- Loan funded in one lump sum
- DSCR available up to 70% CLTV with no tax returns or DTI required
2nd Position Business Purpose Loan
- Short-term interest-only loan for 12–24 months
- Max 65% CLTV behind a first trust deed
- Funded in one lump sum
- No prepayment penalty
2nd Position Consumer Bridge Loan (Owner-Occupied Only)
- Leverage equity in a departing residence for a down payment on a new primary home
- Max 65% CLTV behind the first trust deed
- Short-term interest-only loan for 11 months
- Funded in one lump sum, no prepayment penalty
How to Qualify for a 2nd Mortgage in Southern California
Qualifying for a 2nd mortgage in SoCal is straightforward. We evaluate:
- Property type and current equity
- Borrower income or bank statements
- Credit score and debt-to-income ratio
- Loan-to-value and project requirements
The SoCal real estate market moves quickly. Whether you’re flipping a property, refinancing, or funding a business purpose, 2nd position mortgages give you the speed and flexibility to compete with cash buyers, seize time-sensitive deals, and maximize your investment potential.
With Valor Lending Group, you’re not just getting a loan, you’re gaining a partner in SoCal real estate. I understand the nuances of the local market and provide personalized guidance to make your financing seamless, fast, and stress-free
Ready to see how a 2nd position mortgage can work for you?
Call me, Hayden Madison, at 858-349-7538, or email me at hmadison@valorlending.com
Let’s move fast and close your loan before your next opportunity slips away.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me, Hayden Madison, directly at 858-349-7538, and turn your dreams into reality today!
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
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@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 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
