Why SoCal Borrowers Love Valor’s Stated Income Loan Options | Valor Lending Group
ATTENTION SELF-EMPLOYED BORROWERS
Navigating the mortgage process can be challenging for self-employed borrowers in Southern California. Whether you run your own business in Los Angeles, freelance in Orange County, or manage a startup in San Diego, traditional mortgage lenders often underestimate your true earning potential due to tax deductions and non-W-2 income. That’s Why SoCal Borrowers Love Valor’s Stated Income Loan Options; these programs are tailored to help entrepreneurs, freelancers, and self-employed individuals secure financing that reflects their actual cash flow.
Unlike conventional mortgages, which focus heavily on tax returns, pay stubs, and W-2s, Valor’s Stated Income Loans allow lenders to review bank statements instead. This modern approach provides a clearer picture of your ability to repay a loan, helping you qualify for financing even when traditional documentation falls short. Whether you’re purchasing a home, refinancing, or investing in a rental property, these programs are designed to make the lending process faster, more transparent, and more accommodating for self-employed borrowers.
At Valor Lending Group, I, Hayden Madison, work closely with Southern California clients every step of the way. From navigating the unique real estate markets of Los Angeles, Orange County, and San Diego to structuring loan options that fit your goals, my focus is on providing personalized guidance and solutions. Unlike banks that operate on limited schedules, I’m available year-round, ensuring your financing moves forward on your timeline.
Call me, Hayden Madison, directly at 858-349-7538, or email me at hmadison@valorlending.com
Let’s unlock the financing you deserve without the hassle of traditional documentation.
Unlock the Power of Valor’s Stated Income Loans in Southern California
Why SoCal Borrowers Love Valor’s Stated Income Loan Options is simple: these loans put self-employed individuals on equal footing with traditional wage earners. Rather than relying on net income reported on tax returns which can be lower due to deductions, these loans assess gross deposits from 12- or 24-month bank statements. This method provides an accurate representation of your cash flow and repayment capacity.
Valor’s Stated Income Loans are available for both owner-occupied and investment properties, including 1-4 units, and can accommodate a wide range of financial scenarios. Borrowers with a debt-to-income (DTI) ratio of up to 55% and at least two years of verifiable self-employment history often qualify, making these loans a flexible and powerful solution for growing your real estate portfolio.
How Valor’s Stated Income Loans Help Self-Employed Borrowers
1. Accurate Income Representation
Traditional lenders often look at tax returns, which may understate your income due to business deductions. Valor’s Stated Income Loans use bank statements to measure actual deposits, giving you a true reflection of your earning power. This approach allows more Southern California entrepreneurs to qualify for financing without unnecessary obstacles.
2. Streamlined Approval Process
By focusing on bank statements rather than extensive tax documentation, Valor’s Stated Income Loans speed up approvals. Whether you’re buying a home in Santa Monica, refinancing a condo in Newport Beach, or investing in a duplex in San Diego, this faster, more efficient process can make the difference in competitive SoCal markets.
3. Flexible Loan Terms
These programs often allow up to 90% loan-to-value (LTV) financing for purchases or rate/term refinances. Borrowers can choose between 12- and 24-month bank statement options and customize points, either borrower or lender paid, to meet specific financial needs.
Who Can Benefit from Valor’s Stated Income Loans
- Freelancers, consultants, and independent contractors
- Small business owners and entrepreneurs
- Real estate investors in SoCal looking to acquire rental properties
- Self-employed buyers seeking competitive financing without tax return hurdles
No matter your situation, SoCal borrowers love Valor’s Stated Income Loan Options because they provide the flexibility, speed, and personalized guidance needed to succeed in Southern California’s dynamic real estate market.
Key Highlights of Valor Stated Income Loans
- Qualify using 12- or 24-month bank statements instead of tax returns
- Up to 90% loan-to-value (LTV) on purchases or refinances
- Interest rates and terms tailored to your situation
- Owner-occupied and investment properties (1–4 units)
- No W-2s or conventional income verification required
Whether you’re buying your first home, upgrading, or adding to your rental portfolio, SoCal borrowers love Valor’s Stated Income Loan Options because they remove unnecessary barriers while providing smart, competitive financing.
Why Work with Me, Hayden Madison at Valor Lending Group
While many lenders treat self-employed borrowers like an afterthought, I focus entirely on understanding your unique financial situation. Southern California homeowners and investors benefit from:
- Personalized Solutions: I structure loans around your financial reality, not generic templates
- Local Expertise: From Los Angeles to Orange County to San Diego, I know the nuances of the SoCal market
- Year-Round Availability: Unlike traditional banks, I’m available any day of the year to answer questions and move your loan forward
- Transparent Guidance: You’ll always know exactly where you stand in the process, so you can act confidently
When it comes to Stated Income Loans, choosing the right partner makes all the difference.
Call me, Hayden Madison, directly at 858-349-7538, or email me at hmadison@valorlending.com
Let’s turn your self-employment success into the keys to your SoCal home.
VALOR LENDING GROUP OFFERS EVERY MORTGAGE LOAN IN THE BOOK!
At Valor Lending Group, I’m ready to help you achieve your investment goals.
Call me directly at 858-349-7538, and turn your dreams into reality today!
Recently Funded | Valor Lending Group
$1,044,550 Loan amount | Private 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
And many more.
Every Project, Every Loan – Let’s Build Your Success Together!
Call me, Hayden Madison, today at 858-349-7538, or email me at hmadison@valorlending.com
Recap of Our Loan Products:
- Private Money Loans (20% down / minimal documentation) Typically, funds in 7-10 days
- Stated Income Loans (Great for business owners and self-employed) No tax returns!
- 100% financing is available (we can cross-collateralize other properties if there is enough equity)
- Valor VA Home Loan 100% financing up to $2.5MM
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s cash flow
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5MM
- Raw Land & Lot Loans
- Ground-up Construction for spec homes, custom homes, and commercial ground-up.
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 10% down Jumbo’s up to $1.5MM
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500MM
- 3% & 5% down Conventional Loans– LPMI (Lender paid mortgage insurance)
- Foreign Nationals Loans (no social security or residency required)
We Also Offer:
- 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
- High Balance Conforming aka Super Conforming
- Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
- FHA, USDA
- ARM’s
- Reverse mortgages up to $1MM Value
- Refinance including Cash Out
**Rates and terms are subject to change without notice
