What is the maximum VA loan in California? | Valor Lending Group

What is the maximum VA loan in California?

Valor Lending Group strives to give you the top loan experience on the purchase or refinance of your new or current home. We will be here for you day and night to answer any questions or concerns you may encounter through your loan scenario.

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What is the maximum VA loan in California?

Valor Lending Group has sources that offers 100% financing with loans up to $1.5MM.

What Are VA Loans?

The VA home loan, backed by the Department of Veteran Affairs, was first created in 1944. This loan assisted service members with purchasing or refinancing a home after returning from war without requiring a great credit score or down payment to do so. Later, some lenders increased their loan limits to above the county loan limit to assist current service members and veterans with larger purchases in areas where the conforming and high balance loan limits were much lower than the average house in the area. VA loans are up to 100% financing, limited closing costs, low interest rates for all who qualify whether it is a purchase or refinance including a cash-out refinance, and no mortgage insurance.

Why Use VA Loans?

VA loans are the right of any service member who serves or has served in the armed forces and received an honorable discharge. It is structured in a way, to include the lowest interest rate, the highest amount of leverage, being backed by the VA, to provide our service members and veterans a fantastic VA benefit because of the sacrifice that they or their spouses have made to protect and defend our amazing country. Thank you for serving! This is one of the most valuable benefits of serving. The qualifying income is viewed in conjunction with all debts, and a debt-to-income (“DTI”) ratio is calculated. Traditional mortgage lenders would be required to have a DTI of no more than 50% even with a lower credit score and 100% financing.

VA Loans | VA Loan Highlights:

• 100% financing
• Sellers can pay closing costs, up to 2 discount points
• Buyers can add up to $6,000 to their VA loan to have energy efficient improvements installed
• No monthly mortgage insurance
• Less restrictive qualifying terms
• Buyers still eligible even after a short sale
• Jumbo loans available up to $1.5 million
• Buyers can have multiple VA loans under certain circumstances.
• *Valor will reimburse your appraisal fee for loans above $300,000.

Valor Lending Group is committed to serving our Veterans and their families.

**We give 5% of proceeds to a local Veteran charity on every VALOR VA Loan

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Please do not hesitate to call on me for any scenarios.

I look forward to an opportunity to demonstrate my prompt and professional service.

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. Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
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. Conventional Conforming Loans
2. High Balance Conforming
3. Jumbo Loan Financing to $10 Million / 10% down Jumbo to $1.5mm
4. FHA, USDA
5. Reverse mortgages up to $1 Million Value
6. Cash Out Refinancing

I am never too busy for your referrals! 

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