Wait! Before you spend thousands on landscaping—or on water-guzzling plants—try planting a DIY drought-tolerant garden. With the right plants, your landscape will be cost-effective, low maintenance, and beautiful.
Here is a list of ten plants that won’t break the water bank but will still let you enjoy lush greenery and flowers without having to replant every year. Just be sure to check your hardiness zone and your zone’s growing calendar before planting anything not mentioned on this list to ensure it can withstand your climate.
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Valor Lending Group
“Pride in Lending”
Recap of our Loan Products:
1). Stated Income Loans (Great for business owners and self-employed) 20% down / 620+ credit score / 2 years business license / 12-24 months bank statements
2). Foreign Nationals Loans (no social security or residency required) 35% down / Foreign passport / Document income outside US
3). Hard Money Loans (28-35% down / minimal documentation) Fund in 7-10 days. 480+ credit score
4). Raw Land and Construction (Bridge Loans) including Spec Home! 75% loan to cost (cost of land and construction budget)
5). 3% down Conventional (Lender paid PMI)
6). Residential Income/Investment Property (including Mixed Use) Purchase and Refinance Loans 20-35% down depending on property, credit etc.
7). Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
8). Flipper Loans (Flip a property with one of our many options) 30% down we finance acquisition and rehab funds / 1-2 year terms
9). 10.1% down Jumbo’s with NO MI up to $2.5mm
10). Manufactured Housing / Mobile Homes (20% down / 620+ credit score) must be tied to real property/Must be at least double wide/Must be built after June 15th 1996 /
11). Acreage Properties
12). Commercial Loans up to $100mm / Purchase and Refinance Loans 25-35% down depending on property, credit etc.
We also offer:
1). 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $424k) 30 year fixed
2). High Balance Conforming aka Super Conforming (from $424k-$636k) 30 year fixed
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.
Surf and Sunshine,
Stefanie Prescher
Loan Officer / Realtor
CA BRE# 01970140
NMLS# 463609
Valor Lending Group
“Pride in Lending”
Petco Park
Diamond View Tower
350 10th Ave / 10th Floor
San Diego, CA 92101
Direct: 616-485-8784
Fax: 619-255-0602
smprescher@valorlending.com
www.valorlending.com
