Our Mission

We’re a direct lender that provides creative loan solutions for borrowers, backed by responsible real estate investors.

Val-Chris is a hard money lending company specializing in both residential and commercial loans, providing 1st, 2nd, and 3rd trust deeds. Our dedicated staff has over 100 years of real estate experience which we use to facilitate creative loan terms to fit our customer’s needs.

In our Orange County office, located in Irvine, California, we originate private investor hard money loans and have a loan servicing department to meet the requirements of both borrowers and investors. As a hard money lender, we pride ourselves on fast turn-around and giving quality service to all of our customers. Learn more about our private lending services below and how they can help you.

Private Lending Services

Whatever your financial requirements may be, we have unique funding solutions that fit with our private money lending services.

View All Loan PRODUCTS

Investment Property Loans

Whether you plan on owning your property for several years before selling it at a profit, plan on renting out the home to make a profit each month, or have some other plan for the property, our investment property loans are securable at competitive rates. READ MORE

Rehab Loans

A rehab loan is a specialized loan used to rehabilitate a home or building. Val-Chris Investments has the experience necessary to fund these loans with expert private money lending services. We can get you a quick response or approval for any type of rehab. READ MORE

Commercial Loans

The right commercial loan for your needs should have the most favorable terms and allow you enough capital to achieve business goals. Our experienced professionals can secure a competitive Commercial or Industrial Loan with our private money loan servicing. READ MORE

Residential Loans

As a hard money lending company backed by private money investors, the terms of our residential loans are much more than just “conventional”. The specialized service we provide can help our borrowers and brokers secure loans quickly, where others have failed. READ MORE

Recent Transaction: Santa Clarita


Santa Clarita

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Broker Services

Built for brokers.

Closing loans faster than any conventional provider, our service always comes first.

At Val-Chris we value our broker relationships highly, and do everything possible to facilitate quick, straightforward transactions.

Built for brokers

Investor Information

How it works.

Trust deed investments are great options for investors seeking positive recurring cash flow and real estate backed security.

New to trust deed investing? Read about our unique approach, case studies, and why our investors stay with us for years and years. Read More

Attention California Borrowers

Need mortgage payment assistance?  The California State legislature recently passed legislation that may assist you maintain ownership of your home if you are having trouble making your mortgage payment.  Apply online at www.CAMortgageRelief.org or talk to a housing counselor at 800-569-4287.”