Loan Brokers
For over 40 years our investment loan brokers have benefited from our upfront fees, prompt payments, and fast closing times.
At Val-Chris, we love our loan brokers. That’s because we both benefit from swift, smooth transactions and happy mutual clients via our broker referral program.
Unlike conventional lenders, we provide unique, customized loan packages to borrowers. Whether the loan is residential, commercial, industrial, or any other type—we can make it work. Using private money allows us to find an arrangement with a borrower that is mutually beneficial for both parties. Because we are a direct lender, we have the opportunity to provide our borrowers with the best terms possible. Learn more about the strengths of our loan broker program below.
Speed of Closing
Our loans close fast, many times in 5 – 14 days. This means less time dealing with problems and red tape.
Upfront Fees & Payment
Give us a call and we’ll let you know all about it. We provide information on our fees prior to docs and our investment loan brokers get paid promptly after recording.
Customized Loan Packages
Borrowers with unique requirements commonly hear “no.” Not with us—we go above and beyond to find solutions.
Information for hard money brokers.
Private money lending has a number of unique properties and requirements which make our transactions possible. Backed by a promissory note and trust deed, our investors are secured with a real-estate asset. Because of this, our borrowers have significantly flexible terms and a much faster application process.
Rates Terms and Fees*
Offered loan terms and the associated origination points will vary based upon each specific situation. However, see the list below for common term and fee ranges.
- 1st trust deed rates starting at 6.99%
- Terms from 1 to 7 years
- Origination fees from 1 – 3 points typically
- Contact our office for more details on the different pricing options that we offer.
Loan Package Requirements
When submitting a transaction for approval, our loan brokers are encouraged to include as much information as possible. We pride ourselves on being flexible with our private money broker relationships and will find a process that works for you and your client.
Some examples:
- Completed Loan Application
- Credit Report
- Appraisal
- Preliminary Report
- Purchase Agreement (if applicable)
- Escrow Instructions
- Borrower’s Exact Vesting
Recently Closed Transactions
Santa Clarita
Loan Amount
$176,000
Lien Position
2nd
LTV
65%
Rate
12.99%
Credit Score
607
Running Springs
Loan Amount
$255,000
Lien Position
1st
LTV
60%
Rate
10.99%
Credit Score
693
Los Angeles
Loan Amount
$703,000
Lien Position
1st
LTV
46.8%
Rate
8.75%
Credit Score
801/798
*These assumptions are subject to change without notice. Rate and points may be adjusted based on several factors including, but not limited to, state of property location, loan amount, documentation type, loan type, occupancy type, property type, loan to value and your credit score. Your final rate and points may be higher or lower than those quoted based on information relating to these factors, which may be determined after you apply.
