Serving California's Private Money Lending Needs Since 1975

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Residential Loans

Residential Loans are some of the most common loan types, due to the level of property prices and amount of cash needed to outright purchase real estate property.  Unless a person has significant amounts of cash available, financing is going to be the only option.  Luckily, there are lots of options that we at Val-Chris can help prospective buyers with in the Residential Loan process.

Since 1975 we have helped thousands of clients successfully obtain residential loans in amounts anywhere from $20,000 to $2,000,000. Our expertise is in providing borrowers who have been turned down by conventional lenders, who prefer to avoid the endless conditions required by these lenders, or just don't have the time by these types of lenders an easy and cost effective way of tapping into their equity or in purchasing the property they want. We do all of this very quickly thereby eliminating excess delays and with surprisingly affordable rates and aggressive terms.

The first step is to find out basic details about what type of loan you are seeking, such as the desired loan amount, type of property you are financing, and the estimated value of the property.  From there you can go directly to our Quick Loan Enquiry page to submit the minimum amount of information.  One of our loan officers will contact you directly to discuss the full application process.  If you are ready to move towards the full application already, we have provided all of the details on our New Loan Application page which will guide you step by step.

Borrowing Money for a Home

Financing for a residential home loan can vary in difficulty depending upon the market conditions, as lenders will become stricter with criteria as more borrowers are in the market.  As times get better and there is more money available, the loans will be made more attractive to borrowers and easier to obtain.  We know how stressful this process can be, and frankly just how many options there are available to you as a prospective home buyer.

Whether you are a first time home buyer, need a refinance loan, or just a traditional residential loan, we can give you the benefits or downside to each option and decide what is the best fit in that situation.  Just a few of the benefits of using Val-Chris include:

  • Fast Loan Approval
  • Easy Qualifications
  • Debt-Management
  • Tax Saving Refinances
  • Real Estate Purchases
  • All Types of Properties - Units, Lots, 2nd Homes and Commercial
  • 1st, 2nd or 3rd Trust Deeds
  • Private Money Equity Loans Available