Getting approved for a loan can be a difficult process. We offer alternative financing solutions for borrowers who are unable to obtain traditional financing.
We can assist clients who have no proof of income, are self-employed, or have a low FICO credit score. A few benefits in choosing us include:
- An efficient and knowledgeable staff.
- A simple application process.
- A trusted and reliable lending experience.
Val-Chris Investments, Inc. is a Fresno asset-based, direct, private and hard money lender. The loans we provide range from residential to commercial and industrial properties throughout California. We have a diverse portfolio of borrowers including individuals, limited liability companies, trusts, corporations, estates, probates, and foreign nationals. We provide competitive rates and terms to borrowers who do not qualify for a bank loan or simply need quick capital.
Our own underwriting guidelines and standards allow us to expedite our clients through the approval process and get funded quickly. Regarding loan transactions, our focus is on the current value of the property, the purpose of the loan, and the borrower’s ability to repay the loan. Our mission is to provide our clients with a quick and easy lending process, which is what keeps them coming back.
We don’t require a minimum FICO credit score, we originate 1st, 2nd, and 3rd trust deeds, and our Loans usually close within 3-7 business days. Other Loan Program Benefits include:
- Loan amounts from $20,000 to $4,000,000
- Loan-to-value ratios up to 75%
- Loan terms starting at 3 to 10 years