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