What are the 4 C’s of a loan?

What are the 4 C’s of a loan? | Valor Lending Group

What are the 4 C’s of a loan?

Are you ready to purchase a home of your own?

Are you interested in learning some of our helpful tips to use when embarking in the loan process?

The loan process can be very stressful, especially if you don’t know where to start. When getting ready to start the loan process there are certain things to consider.

Valor Lending Group is here to help your loan process go quickly and smoothly!

We is happy to announce that we are now licensed in FLORIDA!

We are excited for the opportunity to serve up EVERY loan in the book to the beautiful sunshine state and look forward to raising the bar in mortgage loan financing!

What are the 4 C’s of a loan?

The 4 C’s stand for Capacity, Capital, Collateral and Credit. This may differ from lender to lender but these are the 4 main components.

Looking to Purchase a Home?

Here are a few tips to help your loan process go quickly and smoothly.

1. Make sure your credit is in good shape
   • Check your credit
     • Excellent Credit: 750+
     • Good Credit: 700-749
     • Fair Credit: 650-699
     • Poor Credit: 600-649
   • Try to get your credit card balances below 40% of the limit
   • It’s best to have at least 3 open and active accounts listed on your credit report
2. If you’re renting, pay by check
   • Having documented proof of your last 12 months of payments on your credit report
3. Obtain proof of employment for the past 2 years
   • W2’s and tax returns
   • Paystubs covering 30 days
   • Be prepared to explain any gaps in employment
4. Avoid large deposits or withdrawals from your bank account
5. Determine a down payment amount based on your available funds
6. Obtain a pre-approval letter from an Independent Mortgage Professional
7. Research a local real estate agent

Bottom Line

Valor Lending Group is here to help you with with all of your mortgage loan processing needs. We offer every mortgage loan in the book! So if you are interested in acquiring a loan please give us a call today to discuss your mortgage loans options.

CALL or EMAIL TODAY TO GET APPROVED!

CALL or EMAIL for immediate attention to your scenario!

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Recently Funded | Valor Lending Group

$1,044,550 Loan amount | Hard Money Bridge Loan | Purchase | 65% LTV | Murrieta, CA
$1,900,000 Loan amount | Full Doc Jumbo Loan | Cash Out Refi | 31% LTV | Mirage, CA
$1,430,000 Loan amount | 24 Month Bank Statement Loan | Purchase | 65% LTV | Phoenix, AZ
$2,625,000 Loan amount | Ground up Construction Loan | Purchase | 65% LTV | Malibu, CA
$1,905,000 Loan amount | Fix and Flip Loan | Purchase | 90/100 LTV | Palos Verde, CA
$2,645,000 Loan amount | Ground up Spec Construction Loan | Purchase | 65% LTV | Palm Springs, CA
$712,500 Loan amount | DSCR Loan | Cash Out Refi | 75%LTV | 70% LTV 
$4,013,750 Loan amount | Full Doc Jumbo Loan | Rate& Term Refi | 75% LTV | Newport Beach, CA
$592,500 Loan amount | DSCR Loan | Purchase | 75% LTV| Seattle, WA
$1,950,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 70% LTV | Berkeley, CA
$3,100,000 Loan amount | 12 Month Bank Statement Loan | Purchase | 43% LTV | Coronado, CA
$1,790,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | Berkeley, CA
$1,008,000 Loan amount | Full Doc Jumbo Loan | Purchase| 80% LTV | Anaheim, CA
$1,740,000 Loan amount | Hard Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 62% LTV
$505,000 Loan amount | Full Doc FNMA Loan | Purchase | 85% LTV! | Ventura, CA
$2,100,000 Loan amount | Hard Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina

And many more.

We do them all, so give me a call!

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Recap of our Loan Products:

1. Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
2. Stated Income Loans (Great for business owners and self employed ) No tax returns!
3. 100% financing is available (we can cross collateralize other properties if there is enough equity)
4. Valor VA Home Loan 100% financing up to $1.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow
6. Flipper & Rehab Loans (Flip a property with one of our many options)
7. 2nd Position Loans up to $5mm
8. Raw Land & Lot Loans
9. Ground up Construction for spec homes, custom homes and commercial ground up.
10. Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
11. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
12. Acreage Properties
13. Commercial Loans up to $500mm
14. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
15. Foreign Nationals Loans (no social security or residency required)

We also offer:

1. 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 Million / 10% down Jumbo to $1.5mm
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1 Million Value
7. Refinance including Cash Out

**Rates and terms subject to change without notice

For the most up to date mortgage news visit: Mortgage News Daily

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