At Valor Lending Group, we save deals! If you have a deal falling apart in escrow or just need a quick close. We are here to help. We have fast hard money, closing in 7 – 10 days with No DTI / No Docs / and No Appraisal. Call / Text / Email us today for immediate attention to your scenario.

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

Fast Hard Money

Close in 7 – 10 days. No Doc / No DTI / No Appraisal / Up to 72% LTV / Rates starting in the high 7’s.

Great if you need to grab a property quickly or your deal is falling apart.

Apply Online

Stated Income

720+ Fico / Up to 70% LTV / No Tax Returns / Rates starting in the high 3’s.

620+ Fico / Up to 80% LTV / No Tax Returns / Rates Starting in the high 5’s

Great for self employed and business owners.

Apply Online

No Tax Return Commercial

No Tax Return Commercial / Up to $2mm / Up to 75% LTV / $500k minimum / Rates starting in the high 3’s.

Great way to avoid hard money if your tax returns are the only thing holding you back for your commercial purchase.

Apply Online

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

Christopher Lapping
Loan Officer
CA BRE#01999470
NMLS#1613458
Valor Lending Group
“Pride in Lending”
Petco Park
Diamond View Tower
350 10th Ave / 10th Floor
San Diego, CA 92101
Cell: (808) 494-6502
Office: (619) 344-2640
Fax: (619) 872-2400
email: clapping@valorlending.com
web: www.valorlending.com

We Can Save Your Deal

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

Fast Hard Money

Stated Income

No Tax Return Commercial

Valor Lending Group