TOP NO RATIO | NO EMPLOYMENT HOME LOANS

Top No Ratio | No Employment Home Loans means no taxes, no employment verification, no 12 or 24 month bank statements!!!

Top No Ratio | No Employment Home Loans. This program offers No DTI ratio ever! No Tax Returns, W2, or Pay Stubs. Our No Ratio Loans allow self employed or commissioned based borrowers to qualify based on strictly your credit history.

Top No Ratio | No Employment Home Loans Highlights:

• Verification of income or employment is NOT required!
• Up to 75% LTV (on Purchases & R/T Refinances)
• Cash-out refinance up to 65% LTV, unlimited cash-out funds
• 1-4 Units, condos, coops, PUDs
• Minimum 680 FICO
• ARM’s, 15 or 30 year fixed
• Interest only option available(except 15 year fixed)
• Cash-out proceeds may be used towards reserves

What do you need for submission for a Top No Ratio | No Employment Home Loans?

• 2Month Bank Statement (business or personal) for asset verification
• Copy of Business License (3 years)
• CPA Letter (stating you are 100% owner, you have been in business for 2 years and they have done your taxes for two years | Also list your current expense ratio and the CPA License Number)
• Purchase Contract (for purchase)
• Current Mortgage Statement (for refinance)
• Hazard Insurance Dec Page or New Quote for purchase
• Driver License (front and back)

Call me now for immediate attention to your scenario. 

Check out more information on our programs below and send me all your scenarios!

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Valor Lending Group also have following amazing programs. Call Adam Lawrence today 858-344-0323. Email Too!

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. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – No Coverage needed DSCR!
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. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $510,400)
2. High Balance Conforming aka Super Conforming (from $510,400-$765,600)
3. Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1 Million Value
7. Refinance including Cash Out