Top VA Loans

Top VA Loans | Valor Lending Group

Pride in Lending

Are you a veteran or service member looking to buy a home in beautiful San Diego?

California is a state where dreams are made! And although it is one of the most expensive places to live in the United States, it is still the most desired.

VA loan programs allow those who are currently fighting and for those who have fought for our country access to a VA home loan, typically with no down payment required. San Diego VA Loans are available for active duty members, retired veterans, National Guide and those who are in the reserves.

There are pros and cons to California VA loans. The pros are fixed and adjustable-rate mortgages, FHA loans, Jumbo loans, refinance loans, and cash-out loans. Also, 100% financing , no private mortgage insurance, no pre-payment penalty, online pre-qualification, education resources and free credit counseling. The cons are high fees (VA funding fee | This can be waved to those that qualify), home equity loans and HELOCs are not available.

The maximum VA loan limits with zero down payment very by county.

In San Diego County a single-family residence is $753,250, two-family residence is $946,300, three-family residence is $1,165,600 and four-family residences are $1,448,600. In Los Angeles and Orange County single-family residences are $822,375, two-family residences are $1,053,000, a three-family residences are $1,272,750, and four-family residences are $1,581,750.

Being a Veteran myself, I am a proud supporter of all service members and their families. I will work to give you the best experience from beginning to end, through the purchase or refinance of your new or current home.

Valor Lending Group strives to deliver excellent communication and we will get you the best deal that fits your needs.

We are available and ready to start a scenario for you today.

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

For a quote please email Stephan Prescher the following:

• Property Address:
• Purchase Price (for purchase):
• Current Value (for refinance):
• Balance of current Mortgage (for refinance):
• Approx. Credit Score:

Learn more about VA home loans

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

**We give 5% of proceeds to a local Veteran charity on every VALOR VA Loan

CALL OR EMAIL me for immediate attention to your scenario!

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

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

**Rates and terms subject to change without notice

GOOGLE REVIEWS

We offer EVERY Loan in the book!

Please do not hesitate to CALL ON ME for any scenarios.