What you need for a jumbo loan


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Looking for tips to qualify for your jumbo loans? The article gives you all the tips for AZ and CA owner occupied jumbo loans! We also serve investment property loans in 44+ other States! Rest assured, you’ve come to the right place – Valor Lending has hundreds of options available for with mind-blowing jumbo loans for your luxury properties!

Are you Interested in learning about our All New Jumbo Loans?

A Jumbo Loan is a conventional home loan that surpasses the conforming lending limits of Freddie Mac and Fannie Mae.

Valor Lending Group even has 5% Down Arizona and California Jumbo mind-blowing Loans available for you NOW! 

Give us a call today to discuss our All New Jumbo Loan Programs!

If you are a real estate investor, self employed, or full document qualifier we have many different loan options that will fit all your needs.

 Valor Lending Group can provide jumbo loan financing for primary residence, second homes or investment properties.

Jumbo loans for your luxury properties in AZ and CA

We have helped thousands of Californians and real estate investors nationwide. We are excited to announce we are now serving all of Arizona. There is no question too big or too small that we won’t be able to help you with. We pride ourselves on our top-notch communication skills to tackle any situation that comes our way. Reach out to us today, and one of our loan officers will get back to you ASAP with advice you can trust.

We have the Arizona and California New Latest 5% Down Valor Jumbo Loans!

Tips to qualify for your jumbo loans:

Let’s take a look at your unique scenario and help you now! This is a full document, tax return loan. If for any reason you don’t qualify for this program, we have many more options and we will tailor a funding solution to your specific scenario.

The time is now to trust Valor Lending Group with your dreams of the future, so don’t wait, let us get started on a scenario for you TODAY!

What is a Jumbo Loan?

A Jumbo Loan is one that exceeds the county guidelines for conforming and high balance conforming loan limits set by Fannie Mae and Freddie Mac. (Arizona county limits here) (California county limits here)

Valor Lending Group has a number of full document financing solutions for purchase, refinance, and cash out Jumbo Loans, we have options that allow you to secure and maintain the luxury property of your dreams.

Why Use Jumbo Loans?

Traditional mortgage lenders require tax returns, W-2s, and paycheck stubs in order to determine monthly income. For salaried and hourly borrowers, the lenders look at gross income for qualifying purposes. But for self-employed borrowers, traditional mortgage lenders look at net income, the adjusted gross income showing on tax returns. 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 that 35%, however, at Valor Lending Group our funding sources typically allow up to 50% DTI and a lower credit score and down payment requirement.

How Do You Qualify For A Jumbo Loan?

You qualify for a Jumbo Loan in the same way as a conventional or high balance loan, with full documentation, such as 2 years tax returns, W2s, most recent pay stubs, etc.

Valor 5% Down All New Jumbo Loan Programs | Highlights:

  • Up to 95% Max LTV | As low as 5% down jumbo loans (Up to$2M)
  • 90% Max LTV | As Low as 10% Down!
  • 40-year fixed term with IO
  • Max Loan Up to $30MM!! (Most lenders cap at $2M-$3M)
  • Flexible Guidelines
  • 15, 20, 25 & 30 Year Fixed Interest Rates
  • Non-occupant co-borrower + Gift Funds
  • Interest-Only with 680 + Fico
  • 90% LTV cash out (Up to $1.5M)
  • 2-year seasoning – short sales + bankruptcy
  • 3-years seasoning – foreclosure
  • As low as 600 Fico
  • DTI Allowed up to 50%
  • Valor boasts the very best communication, service, rates and performance in the industry
  • Valor ensures the very best pricing by shopping with many direct lenders so you don’t have to!!

CALL 480-773-0714 or EMAIL ME

Valor Lending Group can fund your fast-hard money loan up to $10mm in as little as 7 days often without an appraisal.

Valor Lending Group offers EVERY mortgage loan in the book!

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. 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
  12. Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
  13. Acreage Properties
  14. Commercial Loans up to $500mm
  15. 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
  16. Foreign Nationals Loans (no social security or residency required)
We also offer:
  1. Conventional Conforming Loans (under $647,200)
  2. High Balance Conforming (from $647,200-$970,800)
  3. Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
  4. FHA, USDA
  5. Reverse mortgages up to $1 Million Value
  6. Cash Out Refinancing

**Rates and terms subject to change without notice

We are never too busy for your referrals.

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