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Fast Hard Money in a Flash!

At Valor we save deals with our Fast Hard Money Program.

Close in 5 – 10 days / No Doc / No DTI / No Appraisal

Rates starting in the high 7’s / LTV up to 72% / Up to $20mm

Apply Online

Recently Closed

$1.59mm Cash Out Re-fi

Raw Land Loan for startup costs and horizontal improvements. Imperial Beach, Ca

Recently Closed

$900k Purchase Bridge Loan

Mixed Use Property Gilroy, CA

Bank Loan fell through and client needed a quick close.

I look forward to any opportunity to serve you and your clients.

Recap of our Loan Products:

-Stated Income Loans (Great for business owners and self employed )
-Foreign Nationals Loans (no social security or residency required)
-Hard Money Loans (20-50% down / minimal documentation) Fund in 7-10 days.
– Raw Land & 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)
-Flipper Loans (Flip a property with one of our many options)
-10.1% 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 $100mm
-5% down Conventional (Lender paid PMI)

We also offer:

-10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $417k)
-High Balance Conforming aka Super Conforming (from $417k-$625k)
-Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $2.5mm / 5% down Jumbo to $1.5mm
-FHA, VA, USDA
-ARM’s
-Reverse mortgages up to $10 Million Value
-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!

Christopher Lapping / Valor Lending Group / 808-494-6502 / CLapping@ValorLending.com