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Are you a business owner? Have you found it difficult to get approved for a loan? 

This program is what you’ve been looking for!

“True” Stated Income loan:

No tax returns, no W-2’s, no pay stubs, AND NO 12-24 months bank statements. Loans up to $2.5mm / Rates from *5.5%* for a 30 year loan fixed for 7 years.

Must be self employed business owner in the same location for over 2 years with a minimum FICO score of 680 for purchase (740 for cash out refi). Easier qualifying if you have a website or if your company appears on an online directory. Requires a letter from your tax preparer.

Major credit event seasoning: Loan Modification 2 years/Short Sale 2 years/Bankruptcy 3 years/Foreclosure 5 years

No Bank Statements, No Tax Returns, No P&L required

TRUE Stated Income for Business Owners:

• Loans up to $3MM
• 75% LTV * up to 100% gift funds allowed for down payment * 65% LTV on Condos
• Min. of 680 FICO
• CPA letters verifying ownership over 2 years & filing of 2 most recent year taxes. *No P&L required
• No Reserves Required
• Up to 10 Financed properties allowed
• 100% Business fund allowed for down payment

*6.29% APR, 60% LTV, $1.00mm Loan amount 740 Credit Score*

Recap of our Loan Products:

1. Hard Money Loans (25-50% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans  (No Tax Returns, no W-2s, No P&L)
3. Bank Statement Income Loans (Great for business owners and self employed ) No tax returns
4. 100% financing is available (we can cross collateralize other properties if there is enough equity)
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
6. Flipper Loans (Flip a property with one of our many options)
7. 2^nd 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. 10% down Jumbo’s with NO MI up to $2.5mm
12. Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
13. Acreage Properties
14. Commercial Loans up to $500mm
15. 3% & 5% down Conventional – LPMI (Lender paid mortgage insurance)
16. Foreign Nationals Loans (no social security or residency required)
17. 5% down Jumbo (Up to $1.5mm Lender paid PMI)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
2. High Balance Conforming aka Super Conforming (from $417k-$625k)
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.

Please do not hesitate to call on me if I may be of service in any way! owilberg@valorlending.com OR #916-873-3086