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Your Guide to Florida’s Best Stated Income Loans | Valor Lending Group

Your Guide to Florida’s Best Stated Income Loans starts here!

At Valor Lending Group, we’re thrilled to bring our expertise and comprehensive loan options to the beautiful Sunshine State. As a trusted partner, we are committed to simplifying your home financing journey with fast, flexible, and stress-free solutions tailored to your needs.

Licensed in California, Arizona, and now Florida, we offer every type of loan imaginable to fit your unique circumstances. Whether you’re a self-employed buyer seeking a stated income loan or looking for innovative mortgage options, we are here to elevate your financing experience and exceed your expectations.

Connect with me today to unlock the best opportunities in Florida’s mortgage market. I’m ready to help you achieve your homeownership goals effortlessly!

Your Guide to Florida’s Best Stated Income Loans

Your Guide to Florida’s Best Stated Income Loans begins here! At Valor Lending Group, we are dedicated to bringing you the smartest, most efficient home financing solutions available today. Our Stated Income Loan programs are specifically designed to meet the needs of investors, self-employed individuals, and homebuyers, providing a modern twist on traditional lending by emphasizing asset reserves instead of complex income verification.

Unlike outdated programs of the past, where income was simply stated without verification, our 2022 True Stated Income Loan offers a streamlined process centered around your financial security and asset strength. We prioritize a smooth, simplified borrowing experience tailored to your needs.

Why Choose a Stated Income Loan?

Our programs make the mortgage process faster and easier by focusing on asset reserves, eliminating the need for tax returns. Verification is straightforward—you only need to provide a single month’s bank statement. Whether you’re self-employed or a W2 wage earner, we make it easy by accepting personal and business bank statements for asset verification.

Program Highlights for Florida Stated Income Loans:

• Flexible Ownership Options: Ideal for owner-occupied and second homes
• No Income Declaration Needed: Simplifies the application process
• Minimal Documentation: Just a one-month bank statement required
• High LTV Ratios: Up to 80% for purchases and rate/term refinances
• Cash-Out Options: Access up to 70% LTV on cash-out refinances
• Generous Loan Limits: Borrow up to $3 million
• No Tax Returns Needed: Say goodbye to tax document hassle
• No Employment Verification: Focuses solely on assets and reserves
• Credit-Based Approval: Qualifies borrowers based on LTV, credit score, and liquidity, with a minimum credit score requirement of 700 and a 20% down payment

Take advantage of this innovative loan program and embrace a hassle-free mortgage experience with our True Stated Income Loans. Let me help you maximize your financial assets and make your homeownership goals a reality!

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
$1,950,000 Loan amount | Private 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 | Private 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 | Private Money 2nd Position Bridge Loan | Cash Out Refi |61% CLTV | Berkeley, CA
$4,775,000 Loan amount | Private 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 | Private Money Bridge Loan | Cash Out Refi | 51% LTV | S. Carolina

And many more.

We do them all, so give me a call!

Recap of Our Loan Products:

1. Private Money Loans (20% down / minimal documentation) Typically, funds 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 $2.5MM
5. Investor Cash Flow Loan – No tax returns or DTI calculation! Based on the subject property’s 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. 10% down Jumbo’s up to $1.5MM
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. 10, 15, 20, 25, 30 years Fixed, Conventional Conforming Loans
2. High Balance Conforming aka Super Conforming
3. Jumbo’s to $10 MM / 10% down Jumbo to $1.5MM
4. FHA, USDA
5. ARM’s
6. Reverse mortgages up to $1MM Value
7. Refinance including Cash Out

**Rates and terms are subject to change without notice