Best San Diego VA Loans

Valor Lending Group offers the very best San Diego VA Loans.

At Valor Lending Group, we are a proud supporter of all service members and their families.

Did you serve our country? If so, then you deserve to take advantage of the amazing VA Loan that you are entitled to!

Valor Lending Group strives to give you the top loan experience on the purchase or refinance of your new or current home. We will be here for you day and night to answer any questions or concerns you may encounter through your loan scenario.

Our team will work to find you the very best rate. We offer the best San Diego VA Loans in addition to all other loan products!

Our goal will be to educate as well as inspire you with the knowledge you need to make the best decisions for your loan scenario.

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 will deliver excellent communication as well as strive to get you the very best loan product for your specific scenario.

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

We have the best San Diego VA Loans !

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Check out California VA Loan Limits.

VA Loans have many benefits for active-duty members and retired veterans; you also may qualify as a member of the National Guard or Reserve. The main highlighted benefits are 100% Financing, no private mortgage insurance, or PMI, and no pre-payment penalty.

VA loan programs offer below-market interest rates, and terms of 15-year fixed up to 30-year fixed and even 5/1 and 3/1 ARMs.

Qualification requirements vary depending on your status.

For most qualifying service members there is a minimum active duty requirement which may range depending on your role, but for most, it is just 90 days.

There are pros and cons to California VA loans. Pros: Fixed and adjustable-rate mortgages, 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. Cons: VA funding fee (can be waived for those who qualify). Home equity loans and HELOCs are not available.

What Are VA Loans?

The VA home loan, backed by the Department of Veteran Affairs, was first created in 1944. This loan assisted service members with purchasing or refinancing a home after returning from war without requiring a great credit score or down payment to do so. Later, some lenders increased their loan limits to above the county loan limits (VA Loan Limits for California Cities) to assist current service members and veterans with larger purchases in areas where the conforming and high balance loan limits were much lower than the average house in the area. VA loans are up to 100% financing, limited closing costs, low-interest rates for all who qualify whether it is a purchase or refinance including a cash-out refinance, and have no mortgage insurance.

Why Use VA Loans?

VA loans are the right of any service member who serves or has served in the armed forces and received an honorable discharge. It is structured in a way, to include the lowest interest rate, the highest amount of leverage, being backed by the VA, to provide our service members and veterans a fantastic VA benefit because of the sacrifice that they or their spouses have made to protect and defend our amazing country. Thank you for serving! This is one of the most valuable benefits of serving. The qualifying income is viewed in conjunction with all debts, and a debt-to-income (“DTI”) ratio is calculated. Traditional mortgage lenders would be required to have a DTI of no more than 50% even with a lower credit score and 100% financing.

Advantages And Disadvantages of VA Loans

1) Pros of VA Loans

• 100% financing is available
• Typically, lowest interest rates of any loan program
• Higher Loan Amounts
• Luxury Homes purchase (better schools, lower crime rates, larger homes)
• No Mortgage Insurance

2) Cons of VA Loans

• VA Funding Fee
• Limit to two VA loans at a time
• Can only be used for owner occupied properties

California VA Loans | 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 $2.5 million
• Buyers can have multiple VA loans under certain circumstances.
• *Valor will reimburse your appraisal fee for loans above $300,000.

Valor Lending Group is committed to serving our Veterans and their families.

**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 also offers literally every mortgage 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 $2.5MM
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 $548,250)
2. High Balance Conforming (from $548,250-$822,375)
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

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

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I am never too busy for your referrals! 

WE ARE PROUD SUPPORTERS OF OUR TROOPS!

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