Top Home Loans CA 2021 | Valor Lending Group

Looking to make a life in the beautiful state of California?

Only about half of California residence are homeowners. According to the U.S. Census Bureau’s 2017 American Community Survey, California has about 14.2 million housing units and a homeownership of 54.8%.

California’s median housing value is $509,000 way over the U.S. median home value which is $217,600. Even though California is pricey you can find more affordable housing further inland from the pricey coastal cities. Living in California you will have breathtaking views, beaches, trails, monuments, community activities and much more; California is a place of growth and adventure and it ready for you!

Valor Lending Group is here for you with a scenario TODAY!

We work with the best of the best to get you the perfect loan and low rates you could ask for.

Our pride is here for you day and night to make this experience one you will never forget.

Top Home Loans CA 2021

A) Conforming | High Balance | California Home Loans

We are still funding California home loans, because we constantly scour for the best rates and terms in the industry.

Conforming | High Balance Highlights:

• Interest Rates currently starting at 3.125%* w/NO ORIGINATION POINTS
• Fast Turn Times for Approvals and Appraisals
• Primary Residence, Second Home, Investment Properties

*California SFR Primary Residence Purchase, $500k Loan, 720 FICO, 3.25% APR

B) Jumbo California Loans 

We have numerous Jumbo Loan Lender in out portfolio with programs for all types of luxury property financing. Check out some of our best pricing below, we are currently funding up to 80% Max LTV:

Jumbo Loan Highlights:

• Up to 80% LTV with NO MI
• Flexible Guidelines
• Non-Occupant Co-Borrower + Gift Funds
• 15, 20, 25 & 30 year fixed interest rates.
• 3, 5, 7, & 10 year ARM’s.

Whether you are buying your first home or deciding on where to retire we will help you find the right mortgage for the right home.

C) VA California Home Loans

It’s still a GREAT time to purchase or refinance with Valor VA Loans.

Finding the best VA Loans have never been easier. Valor has government-guaranteed VA Loans available to Veterans, active duty military, reservists and surviving spouses.  VA Loans offer financing up to 100% of a property’s value, and feature both fixed and adjustable rate loans. And there is NO down payment up to $1,500,000.00!

Valor VA Loan Highlights:

• 100% financing
• Sellers can pay closing costs, up to 2 discount points
• Buyers can add up to $6,000 to their VA loan to have energy efficient improvements installed
• No monthly mortgage insurance
• Less restrictive qualifying terms
• Buyers still eligible even after a short sale
• Jumbo loans available up to $1.5 million
• Buyers can have multiple VA loans under certain circumstances.
• *Valor will reimburse your appraisal fee for loans above $300,000.
• **We give 5% of proceeds to a local Veteran charity on every VALOR VA Loan

Valor Lending Group is committed to serving our Veterans during this time of uncertainty.

We also offer:

• Bank Statement Loans
• Hard Money Loans
• FHA Loans

Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal

Valor Lending Group also offers literally every loan in the book! Please do not hesitate to call on me for any scenarios.  I look forward to an opportunity to demonstrate my prompt and professional service.

Recap of our Loan Products:

1. Hard Money Loans (20% 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. Valor VA Home Loan 100% financing up to $1.5MM
5. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. Conventional Conforming Loans (under $510,400)
2. High Balance Conforming (from $510,400-$765,600)
3. Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

Call or email me for immediate attention to your scenario!

For the most up to date mortgage news visit: Mortgage News Daily

**Rates and terms subject to change without notice