Skip to content
  • Nationwide Lending | 4 Branch Locations
Valor Lending 3D Logo no bkgd
  • HOME
  • MEET THE TEAM
  • MORTGAGE LOAN PROGRAMS
    • Private Money
      • Private Money Bridge Loans
      • Hard Money Loans
      • Fix and Flip Loans
    • Non-QM Loans
      • Debt Service Coverage Ratio (DSCR) Loans
      • Bank Statement Loans
      • No-Tax-Return Investment Property Loans
      • Stated Income Loans
    • Traditional Mortgage Loans
      • FHA Loans
      • Home Loans
      • Jumbo Loans
      • VA Loans
    • Land/Lot and Construction Loans
      • Construction Loans
      • Lot Loans
    • Commercial Loans
      • Commercial Loans
  • BLOG
  • CONTACT US
Get A Quote

Should You Use a Bank or Mortgage Broker?

Valor Lending Group > Blog > Darren Carlin > Should You Use a Bank or Mortgage Broker?

Should You Use a Bank or Mortgage Broker?

This is an easy one! Banks know banking. Mortgage Brokers know mortgage loans. Frankly, it is fairly common knowledge that banks suck at mortgage lending. Very poor communication and up front pre-qualification. Banks typically only offer 1 line of loan programs while mortgage brokers shop and search many programs to ensure you are receiving the very best mortgage loan option, rate and term. Banks also rarely meet the escrow timelines required in this hot real estate market.

Valor lending Group consistently performs for our buyers.

Check out our Google Reviews

Why Use a Mortgage Broker?

Broker’s are independently trained professionals licensed to represent and provide you with the best advice for your mortgage and financing needs.
Brokers primary expertise is locating funding for mortgage financing. We know where the best rates can be found because we have the benefit of dealing with multiple lenders at one time. What’s more, we have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.
At Valor Lending Group we take great pride in the service we provide. We have a vested interest in satisfying your needs, since we rely on referrals and your repeat business.
Brokers represent you, our customer, not the lender.
Because brokers are not employees of a lending institution, we are not limited in the products we can offer you. As your Broker, we seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company.
With the wide assortment of options and features available to home buyers today shopping around takes a lot of time and effort. The mortgage process within today’s very competitive marketplace intimidates many California home buyers, so it pays to work with our mortgage professional who will represent you and ensure that the mortgage you get is the one best suited to your needs. Our mortgage brokers have access to the latest information from over 40 mortgage lending institutions and the negotiating power of California’s most influential mortgage brokerage. Let us help you find the best mortgage.

How Brokers Get Paid

Professionals are fairly compensated for arranging mortgage financing on your behalf. In most cases, their fee is paid by the lender.*
In order to attract your business, lending institutions must allocate a portion of their income to marketing and sales, but representatives working for these institutions have only one financial product to sell – their own. Lenders know you won’t do business with them unless you have had ample opportunity to shop and compare. Therefore, it is in their best interest to compensate mortgage brokers for helping you do exactly that.
*Situations exist where specific clients or properties do not meet conventional lender expectations. In these cases, a mortgage broker may attempt to find suitable financing through alternate sources. A fee, agreed upon in advance, may be charged directly to the client by a mortgage broker.

Recap of our Loan Products:

  1. Stated Income Loans (No Tax Returns, no W-2s, No P&L) up to $3M
  2. Bank Statement Income Loans (Great Bank Statement Programs for business owners and self-employed)
  3. Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days
  4. Jumbo Loans – Low rate, stated income, 10% down up to $2M
  5. Flipper Loans | Fix-n-Flip (Flip a property with one of our many options) up to 90% leverage
  6. VA Loans Up To $1.5M | No MI | 100% Financing
  7. Commercial Loans up to $500M
  8. FHA Loans
  9. Commercial Line of Credit
  10. 100% Financing (cross collateralize- hard money)
  11. Foreign Nationals Loans (no social security or residency required)
  12. Raw Land & Lot Loans
  13. Ground up Construction for spec homes, custom homes and commercial ground up to $500M
  14. 2nd Position Loans up to $5M
  15. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow
  16. Farms, Vineyards, Ranches and Agricultural Properties (20-30% down)
  17. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
  18. Acreage Properties

We also offer:

  1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
  2. High Balance Conforming aka Super Conforming (from $484,350-$726,525)
  3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
  4. FHA, VA, USDA
  5. ARM’s
  6. Reverse mortgages up to $10 Million Value

We look forward to the opportunity to demonstrate our prompt and professional handling of your loan transaction.

May 14, 2021Darren Carlin, Mortgage News

About the Author

carlin

CEO
Valor Lending Group
CA BRE # 02026238
NMLS # 1600345
"Pride in Lending"
Petco Park
Diamond View Tower
350 10th Ave / 10th Floor
San Diego, CA 92101
Cell: (925) 872-0695
Office: (619) 810-0088
Fax: (619) 872-2400
email: dcarlin@valorlending.com
web: Meet Daren

Post navigation

California Home Loan Lenders
Best Fix n’ Flip Lender

You may also like these

Learn about Hard Money Loans

Learn about Hard Money Loans

Is It Time to Refinance Your Mortgage?

Is It Time to Refinance Your Mortgage?

Why use a Mortgage Broker?

Why use a Mortgage Broker?

California Jumbo Loans

California Jumbo Loans

Valor Lending 3D Logo no bkgd
Facebook Linkedin Instagram Youtube

Valor Lending Group offers a comprehensive range of mortgage loan programs nationwide, with licensed owner-occupied financing available in California, Arizona, Florida, and South Carolina.

Quick Links

  • Apply Now
  • Get a Quote
  • Blog Articles
  • Get our Newsletter

Headquarters

Petco Park Diamondview Tower
350 10th Ave | 10th Floor
San Diego, CA 92101
CA DRE #02026238 | NMLS #1600345

Florida Branch

First Central Tower, 360 Central Ave Ste 818, St. Petersburg, FL 33701
FL Branch #2883945 | Lic #MBRB1948

Office Main Contact

Ph: (619) 810-0088
Fax: (619) 872-2400
info@valorlending.com

Arizona Branch

Eagle Ridge
1548 Hawkeye Ridge Ave
Prescott, AZ 86301
Branch ID# 2245288 | MB-1030262

South Carolina Branch

110 Traders Cross Suite 217 Bluffton, SC 29928
Branch ID# 2888966

  • Fair Housing Act Notice
  • Privacy Policy
  • Terms of Use

Copyright © 2026 Valor Lending Group

equal housing opportunity Realtor

Valor Lending fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.