We are broker focused.

For over 40 years our brokers have benefited from our upfront fees, prompt payments, and fast closing times.

At Val-Chris, we love our brokers. That’s because we both benefit from swift, smooth transactions and happy mutual clients.

Unlike conventional lenders, we provide extremely unique and customized loan packages to borrowers.  Whether it is a residential loan, commercial, industrial or any other type – we can make it work.  Using private money allows us to find an arrangement between us and 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. 

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 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 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 extremely flexible terms and a much faster application process.

 

Rates Terms and Fees*

Loan terms and the associated origination points which can be offered 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% and 2nd trust deed rates starting at 8.99%
  • Terms from 2 to 7 years
  • Origination fees from 1 – 4 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 brokers are encouraged to include as much information as possible.  We pride ourselves on being extremely flexible with our broker relationships and will find a process that works for your and your client as well.

Some examples:
  • Completed Loan Application
  • Credit Report
  • Appraisal
  • Preliminary Report
  • Purchase Agreement (if applicable)
  • Escrow Instructions
  • Borrower’s Exact Vesting

Recently Closed Transactions

Recent Transaction: Laguna Niguel & Van Nuys, CA

Laguna Niguel & Van Nuys, CA

Loan Amount

$1,325,000

Lien Position

1st & 2nd

LTV

58.5%

Rate

9.99%

Credit Score

567/545

Recent Transaction: Saint Helena, CA

Saint Helena, CA

Loan Amount

$900,000

Lien Position

2nd

LTV

38%

Rate

11.00%

Credit Score

625

Recent Transaction: Coronado, CA

Coronado, CA

Loan Amount

$430,000

Lien Position

2nd

LTV

69.3%

Rate

12.50%

Credit Score

638

*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.