For the last 40+ years, we have been one of the leading private money lenders in Fresno.
We provide one of the most competitive owner and non-owner occupied loans in the industry, with up to 70% LTV on refinances and up to 75% on purchases. Loans range from $25,000 to $4,000,000.
A few incentives in choosing Val-Chris include the following:
- SFR, Condominiums, Townhouses
- Loan terms from 1 to 7 years
- Stated income loan; and
- No FICO score minimums.
Multi-Family Units (2+ units)
- 70% LTV on purchases
- 65+% LTV on refinances (call for exceptions)
Commercial and Industrial
- Up to 60% LTV on purchases; and,
- Up to 55% LTV on refinances
- Call for exceptions
Rehabilitation & Land
- 70% LTV on after-repair value
- 50% LTV on land
- Call for Exceptions
For more information regarding underwriting and pricing guidelines, please contact us today! Our team of experts are here to help you with any questions.
LOAN PRICING IS THIS EASY! SEND US THE FOLLOWING:
- Credit Report (must be no older than 2 months)
- Completed 1003; and
- A letter of loan purpose.