Stated Income Loans | 95% LTV Jumbo Loans | Fast Hard Money Loan

Valor Lending group offers multiple types of Stated Income Loans.

We offer 5% down Jumbo Loans up to $1.5mm & 10% down Jumbo Loans up to $2.5mm

We save deals! Typically funding your fast hard money loan (bridge loan) in 5 – 10 day without an appraisal.

Stated Income Loans:

1). True stated income loan: 680+ FICO / 70% LTV up to $1mm / Must be self employed for 2 years at the same location / Owner occupied and investment properties. Interest rate @ 4.75%*

2). Bank statement stated income: 12 months most recent bank statements deposits are counted as your income: 600+ Fico / up to 90% LTV up to $1mm / Owner occupied or investment property

3). Bank statement stated income: 24 months most recent bank statements deposits are counted as your income: 640+ Fico / up to 90% LTV

up to $1mm / Owner occupied or investment property

Low down payment jumbo loans:

1). 5% down jumbo loans: up to $1.5mm LPMI – Full doc loan / Max dti 43% / Minimum credit score 720

2). 10% down jumbo loans: up to $2.5mm LPMI – Full doc loan / Max dti 43% / Minimum credit score 720

Fast Hard Money Loans:

We offer every type of fast hard money loans with the very best rates, terms an service in the industry!

Closing your fast hard money loan (bridge loan) in as little as 5 days typically without an appraisal.

Whatever your scenario we have a funding solution. We are partnered with over 100 direct lenders, multiple pools of private investors, 2 thrifts that fund on Wall Street, a hedge fund with billions to lend, and 21 Life Companies–Valor Lending Group offers literally every loan in the book! Check out our programs below and please do not hesitate to call on me for any scenarios. I look forward to an opportunity to demonstrate my prompt and professional service and earn your business.

Recap of our Loan Products: 

1. Hard Money Loans (30-50% down / minimal documentation) Typically Fund 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. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
5. Flipper Loans (Flip a property with one of our many options)
6. 2^nd Position Loans up to $5mm
7. Raw Land & Lot Loans
8. Ground up Construction for spec homes, custom homes and commercial ground up.
9. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
10. 1% down Jumbo’s with NO MI up to $2.5mm
11. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
12. Acreage Properties
13. Commercial Loans up to $100mm
14. 3% & 5% down Conventional – LPMI (Lender paid mortgage insurance)
15. Foreign Nationals Loans (no social security or residency required)

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 $484k-$726k)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm
4. FHA, VA, USDA
5. ARM’s
6. Reverse mortgages up to $10 Million Value
7. 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!

* Based upon 700+ Fico, purchase or rate and term refi, $1mm loan amount APR 5.125%

Frank Caruso

Loan Originator
CA BRE# 01967579
NMLS# 1035108
Valor Lending Group
“Pride in Lending”
Petco Park
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Direct: (858) 699-4614
Office: (619)344-2640
Fax: (619) 255-0602
web: www.valorlending.com
fcaruso@valorlending.com