True Stated Income Program!
Are you or your borrower having a tough time getting a loan due to large write-offs on taxes? I can help you with that!
True Stated Income:
Fico 680+
Up to 70% LTV
7/1 ARM
Rates Starting in the high 4’s
No Taxes / No 4506T
Only 3 months bank statements needed (For Credit from 680 to 720 a P&L from a certified CPA will be needed)
Great for Business Owners, Self Employed, and 1099 workers
If you need more leverage, our 12 – 24 bank statement programs go up to 90% LTV!
Fix n’ Flip Special!
85% of Purchase Price
100% of Rehab Funds
10 – 14 day close
Rates starting in the high 7’s
2 – 4 points
Fast Hard Money!
Up to 72% LTV
NOO / OO both are ok.
7 – 14 day close
Rates starting in the high 7’s
3 – 4 points
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!
Christopher Lapping /Valor Lending Group / 808-494-6502 / CLapping@ValorLending.com
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Valor Lending Group
350 10th Ave / 10th Floor
San Diego, CA 92101
