Specialized Lending for Investors Nationwide

It amazes me the number of clients I speak with that are trying to get out of a hard money loan where a lender charged them 6 points and 12 to 13% interest! I can only attribute it to lack of investor knowledge in regards to what lending options are available to them or taking your business to a single lender, or broker with a lack of good lending sources. At Valor Lending Group we are partnered with over one hundred direct lenders, multiple pools of private money investors, two thrifts on Wall Street(Firemen’s Pension, etc.), twenty one life insurance companies, and a hedge fund. This gives us the flexibility to search thousands of loan programs to offer you the best rates and terms available. Many lenders have a wholesale division, which can offer much better rates to the client by going through a broker. Some lenders are exclusively wholesale, meaning you as a borrower cannot contact them directly for a loan and must use a broker. Why cut your options short and spend a large amount of time searching for a loan yourself when you can have a seasoned professional, who has already put in countless hours securing the best lending sources, working for you? Take a look at some of your available options when you let Valor Lending Group work for you.

 

                                                       

                Fast Money Bridge Loan                                               Investor Cash Flow

•       Up to 80% LTV on 1-4 Residential Purchases                                 • Up to 80% LTV on 1-4 Residential Purchases
•       12 – 36 month terms                                                                              • 3/1, 5/1, 7/1 ARMs, 30 yr fixed
•       7 – 14 day close                                                                                        • 30 day close
•       7.99%* for 2.75 points                                                                           • No Taxes/No Doc/No DTI
•       8.50%** for 2.25 points                                                                         • DSCR = 1.0 (If rent covers PITI you are good)
•       Min 600 Credit (Some exceptions may be made)                           • Rates starting as low as 5.65%***

 

                                         

               Fix n’ Flip Program                                         Nationwide Commercial Loans

• Up to 90% LTC                                                                                         • Up to 75% LTV / 80% LTC
• 12 month term                                                                                         • Construction on most asset types
• 7 – 14 day close                                                                                        • Purchase on most asset types
• 7.99%* for 2.75 points                                                                           • Commercial Bridge Loans Available
• 8.50%** for 2.25 points                                                                         • Very competitive rates
• Min 600 Credit (Some exceptions may be made)

 

Remember, no matter what route you decide to take when placing your loan, it’s always a good idea to let a broker shop it for you. It doesn’t cost you a dime for a quote and it gives you options.

 

I look forward to any opportunity to serve you and your clients.

 

Recap of our Loan Products:  

 

• Stated Income Loans (Great for business owners and self employed )
• Foreign Nationals Loans (no social security or residency required)
• Hard Money Loans (20-50% down / minimal documentation) Fund in 7-10 days.
• Raw Land & Lot Loans
• Ground up Construction for spec homes, custom homes and commercial ground up.
• 2nd Position Loans up to $5mm
• Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
• Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
• Flipper Loans (Flip a property with one of our many options)
• 10.1% down Jumbo’s with NO MI up to $2.5mm
• Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
• Acreage Properties
• Commercial Loans up to $100mm
• 5% down Conventional (Lender paid PMI)

 

We also offer: 

 

• 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $453k)
• High Balance Conforming aka Super Conforming (from $453k-$649k)
• Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm / 5% down Jumbo to $1.5mm
• FHA, VA, USDA
• ARM’s
• Reverse mortgages up to $10 Million Value
• Refinance including Cash Out

 

I am able to take a Loan Application on a moment’s notice & will be happy to provide Pre approval letters.

 

Please do not hesitate to call on me if I may be of service in any way!

* Rates are 7.99% with an APR of 8.75% based on a loan amount of $1,000,000 with a credit score of 600+ (Rates are not LTV based)

** Rates are 8.50% with an APR of 9.23% based on a loan amount of $1,000,000 with a credit score of 600+ (Rates are not LTV based)

*** Rate is 5.65% with an APR of 6.325% based on a loan amount of $1,000,000 with a credit score of 740+ based on an LTV of 60%

All rates and terms are subject to change without notice.