The Best Mortgage Broker? | Valor Lending Group
The Best Mortgage Broker?
Are you looking to purchase or refinance a home in California?
Check out Today’s New California Home Mortgage Loans!
Valor Lending Group has got you covered!
Valor Lending Group can help you with the ins and outs of today’s new home mortgage loans!
We are standing by for your call today!
Why use a Broker?
When you decide to use a broker you become more then just a number. There are many questions you may have and one of them is to decide if you should use a mortgage broker to assist in financing your transaction or go into your local bank branch.
Most people look to the bank for a home, rather than a mortgage broker.
What you may not know if that a mortgage broker is often the best choice and they are able to offer you more options on niche products than the bank.
What is the difference between a Mortgage Broker and a Bank?
Mortgage Broker:
- Licensed mortgage expert – consistently undergoes continuous training
- Specializes in mortgages only
- Partners with many lenders to offer multiple loan products, allowing you to choose the best option
- Often offers lower rates and cheaper costs due to less overhead
- Adapts to industry changes quickly
- Communication Communication Communication!
Bank:
- Are Not required to be licensed and are not held to the same standards and regulations as brokers in terms of testing and ongoing training
- Offer many other loan products (auto, boat, etc.), so mortgages are not their main focus
- Only able to offer limited loan products they have in-house – may not be the best fit for your needs
- Often higher rates
- Slower to adapt to change due to large organizational operations
- Lack of communication
Some additional facts about mortgage brokers. Why use a mortgage broker?:
Brokers primary expertise:
Brokers primary expertise is locating reliable funding sources 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. Additionally, 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.
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.
Wide assortment of options and features available:
In contrast to banks, Brokers have a wide spread of options 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.
For the most up to date mortgage news visit Mortgage News Daily
VALOR LENDING GROUP IS LICENSED IN ARIZONA, CALIFORNIA AND FLORIDA FOR ALL OCCUPANY TYPES ARE READY TO ATTACK YOUR NEXT LOAN SCENARIO TODAY!
Recap of our Loan Products
- Hard Money Loans (20% down / minimal documentation) Typically Fund 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 $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
- 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:
- Conventional Conforming Loans
- High Balance Conforming
- Jumbo Loan Financing | 10% down Jumbo to $1.5mm
- FHA, USDA
- Reverse mortgages up to $1 Million Value
- Cash Out Refinancing
**Rates and terms subject to change without notice
We are never too busy for your referrals!
For the most up to date mortgage news visit: Mortgage News Daily
Check out our GOOGLE REVIEWS
Did we miss anything?
- Call or Email me (Michael Bullard) if there is any information that we have missed
- Follow us on Social Media
- Share this on your Social Media
- Do not hesitate to give us your feedback
- Ask us for a quote
- Visit our homepage to check out what Valor Lending Group has to offer
