Valor Lending group offers multiple types of Stated Income & Bank Statement Loans.
Valor Stated Income Loan Programs:
1). True Stated Income Loan: 680+ FICO / 70% LTV up to $1mm / Must be self employed for 2 years at the same location / Owner occupied and investment properties. Interest rate @ 4.75%*
2). Bank Statement Loan: 12 months most recent bank statements deposits are counted as your income: 600+ FICO / up to 90% LTV up to $1mm / Owner occupied or investment property
3). Bank Statement Loan: 24 months most recent bank statements deposits are counted as your income: 640+ FICO / up to 90% LTV up to $1mm / Owner occupied or investment property
* Based upon 700+ Fico, purchase or rate and term refi, $1mm loan amount APR 5.125%
Call or email me for immediate attention to your scenario.
Valor Lending Group also offers literally every loan in the book! Check out more information on our programs below and 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:
- Stated Income Loans (No Tax Returns, no W-2s, No P&L)
- Bank Statement Income Loans (Great Bank Statement Program for business owners and self employed)
- Hard Money Loans (As low as 20% down / minimal documentation) Fund in 7-10 days.
- Flipper Loans (Flip a property with one of our many options)
- Line of Credit
- 100% Financing
- Foreign Nationals Loans (no social security or residency required)
- Raw Land or Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- 2nd-Position Loans up to $5mm
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s with NO MI up to $2.5mm
- Manufactured Housing / Mobile Homes (20% down / 620+ credit score)
- Acreage Properties
- Commercial Loans up to $500mm
- 5% down Jumbo (Up to $2mm Lender paid PMI)
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350)
- High Balance Conforming aka Super Conforming (from $484,350-$726,525)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, VA, USDA
- ARM’s
- Reverse mortgages up to $10 Million Value
- Refinance including Cash Out
