Why Use a Mortgage Broker? Broker’s are independently trained professionals licensed to represent and provide you with the best advice for your mortgage and financing needs!
Primary Expertise
Another very important reason why you should use a mortgage broker, is because our primary responsibility to help you locate the absolute best funding for your mortgage financing! Let us do the leg work for you! We know where the best rates can be found because we have the benefit of building relationships with multiple lenders at one time. In addition, we have the knowledge required to present a proposal for financing to lenders in the best way possible to successfully obtain mortgage financing.
At Valor Lending Group we take great pride in the service we provide. We have a vested interest in satisfying your needs, since we rely on referrals and your repeat business.
Brokers represent you, our customer, not the lender.
Brokers are not employees of a lending institution
We are not limited in the products we can offer you. As your Broker, we seek out the best lender package to suit your specific situation, whether it’s with a Chartered Bank, Trust or Insurance Company.
Wide assortment of options and features available
In contrast to banks, Brokers have a wide spread of options available to home buyers. A bank is limited to the rates and loan products ONLY offered within that particular organization. A Broker can shop your loan with dozens of our established funding sources, who will then bid for the loan, thus providing the best rate for you as a consumer. In addition, shopping around takes a lot of time and effort. Let us do it for you!
The mortgage process in today’s market is very competitive and can be very intimidating, especially for new home buyers. Having specialized help that can represent you will ensure that the mortgage you are offered is the one best suited to your personal and business needs.
Our mortgage brokers have access to the latest information from over 40 mortgage lending institutions and the negotiating power of California’s most influential mortgage brokerage. Let us help you find the best mortgage!
How Brokers Get Paid
Professionals are fairly compensated for arranging mortgage financing on your behalf. In most cases, their fee is PAID BY THE LENDER.* As a result, lender paid compensation means you will save thousands of dollars on your end as a consumer.
On the other hand, in order to attract your business; lending institutions must allocate a portion of their income to marketing and sales, but representatives working for these institutions have only one financial product to sell – their own!
Lenders know you won’t do business with them unless you have had ample opportunity to shop and compare. Therefore, it is in their best interest to compensate mortgage brokers for helping you do exactly that.
In conclusion, situations exist where specific clients or properties do not meet conventional lender expectations. In these cases, a mortgage broker may attempt to find suitable financing through alternate sources. A fee, agreed upon in advance, may be charged directly to the client by a mortgage broker.
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Please give me a call if you have any questions and we look forward to the opportunity to serve you!
Valor Lending Group also offers literally every 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 | Why Use a Mortgage Broker?
- Hard Money Loans (20% down / minimal documentation) Typically Fund 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 $1.5MM
- Rental Property Loan – No tax returns or DTI calculation! Based on subject property cash flow – No DSCR Coverage needed!
- 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)
- 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
- 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:
- Conventional Conforming Loans (under $510,400)
- High Balance Conforming (from $510,400-$765,600)
- Jumbo Loan Financing to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, USDA
- Reverse mortgages up to $1 Million Value
- Cash Out Refinancing
**Rates and terms subject to change without notice
If you are in San Diego, you can find us by searching fix and flip lender near me.
