Valor Non-Agency Financing is one of a kind. These stellar programs feature:
• 3 to 24 Mo. Bank Statements
• Owner Occupied or Second Home or Investment.
• No Tax Returns or W-2s
• No CPA Letter
• No Expense Ratio Applied
Step into the new and experience what Valor can do for you.
Valor Non-Agency
Jumbo Prime (ARM & Fixed):
• Just Missed Agency *Call for Rates*
• 80% to $5,000,000
Alt-A (I.O. ARM & Fixed)
• 90% to $1,500,000
• 85% to $2,500,000
• 75% to $5,000,000
**Exceptions on loan limits on case by case**
Non-Prime (I.O. ARM & Fixed)
• 90% Alt-Doc to $1,500,000
• 85% Alt-Doc to $2,500,000
• 75% Alt-Doc to $5,000,000
**Exceptions on loan limits on case by case**

  • Loans to $2.5M
  • 70% LTV *up to 100% gift funds allowed for down payment
  • Min. of 680 FICO
  • CPA letters verifying ownership over 2 years & filing of 2 most recent year taxes.*No P&L required
  • 12 Months reserves required (No Gift funds allowed)
  • Up to 10 financed properties allowed
  • 100% Business funds allowed for down payment
Equal Housing Lender. This is not a commitment to lend or extend credit. Restrictions may apply. Rates may not be available at the time of applications. Information and/or data are subject to change without notice. All loans are subject to credit approval. Valor Lending Group 350 10th Ave 10th floor #1008 San Diego, CA 92101. NMLS# 1600345 CAL BRE# 02026238. Licensed by: State of CA Bur of Real Estate. NMLS Consumer access: www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1600345
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