Buying in La Jolla, Coronado, Newport Beach, Laguna Beach, Corona del Mar? This is for you
Whether you’re eyeing a luxury home, investing in coastal real estate, or tapping into your equity, Valor Lending Group offers flexible jumbo loan solutions built for high-value properties and unique scenarios.
Work directly with Laura Licea to structure the right strategy—purchase or cash-out refinance.
What is a Jumbo Loan?
If you’re looking in places like La Jolla, Newport Beach, or Laguna Beach, chances are home prices go beyond standard loan limits. That’s where jumbo loans come in.
A jumbo loan is simply a mortgage that exceeds traditional conforming limits—giving you the ability to finance higher-priced homes without needing to bring a huge amount of extra cash to the table
Why Use Jumbo Loans?
- More buying power for luxury and coastal properties
- Options for primary homes, second homes, or investments
- Flexible guidelines for unique financial situations
- Potential to avoid mortgage insurance
- Competitive options—even with higher debt-to-income ratios
Interest-Only Jumbo Loans
Lower initial payments + more flexibility to manage cash flow and keep your capital working. Options may include 40-year terms and ARM programs (5/1, 7/1, 10/1).
Jumbo Bank Statement Loans
Perfect for self-employed borrowers. Qualify using bank statements instead of tax returns—ideal for business owners and entrepreneurs.
You qualify for a Jumbo Loan in the same way as a conventional or high balance loan, with full documentation, such as 2 years tax returns, W2s, most recent pay stubs, etc.
Valor Jumbo Mortgage Loans | Highlights:
- 90% Max LTV | As Low as 10% Down!
- 40-year fixed term with IO
- Max Loan Up to $10MM!! (Most lenders cap at $2M-$3M)
- Flexible Guidelines
- 15, 20, 25 & 30 Year Fixed Interest Rates
- Non-occupant co-borrower + Gift Funds
- Interest-Only with 680 + Fico
- 90% LTV cash out (Up to $1.5M)
- 2-year seasoning – short sales + bankruptcy
- 3-years seasoning – foreclosure
- As low as 600 Fico
- DTI Allowed up to 50%
- Valor boasts the very best communication, service, rates and performance in the industry
- Valor ensures the very best pricing by shopping with many direct lenders so you don’t have to!
We also offer:
- Bank Statement Loans
- Hard Money Loans
- FHA Loans
- Doctor/Dentist/Vet Loans
Call or email me for immediate attention to your scenario!
Valor Lending Group offers EVERY mortgage loan in the book!
I look forward to an opportunity to demonstrate my prompt and professional service.
Recap of our Loan Products
- Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
- Stated Income Loans (Great for business owners and self employed ) No tax returns!
- 100% financing is available (we can cross collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5mm
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’sup to $2.0mm
- Manufactured Housing
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- Conventional Conforming Loans
- High Balance Conforming
- Jumbo Loan Financing | 10% down Jumbo to $2.0MM
- FHA, USDA
- Reverse mortgages up to $1 Million Value
- Cash Out Refinancing
**Rates and terms subject to change without notice
We are never too busy for your referrals!
For the most up to date mortgage news visit: Mortgage News Daily
Check out our GOOGLE REVIEWS
Did we miss anything?
- Call or Email me (Laura Licea) if there is any information that we have missed
- Follow us on Social Media
- Share this on your Social Media
- Do not hesitate to give us your feedback
- Ask us for a quote
- Visit our homepage to check out what Valor Lending Group has to offer
