Obtaining a loan from a traditional lender can be a difficult process. At Val-Chris, we provide lending solutions to the disadvantaged and undeserved.
Our lending process is quick, easy, and cost-effective. We are dedicated to serving the needs of all our clients—we’ve got you covered, even if you are self-employed, have a low FICO credit score, or have no proof of income.
A few benefits in choosing us include:
- An efficient and knowledgeable staff.
- A simple application process.
- A trusted and reliable lending experience.
Val-Chris is one of the leading asset-based, direct, private and hard money lenders in Oakland. We have over 40 years of experience funding loans ranging from residential to commercial. Our growing and diverse portfolio of borrowers includes individuals, trusts, estates, limited liability companies, corporations, and foreign nationals. The direct, private money lending options we provide offer a valuable solution to borrowers that would not normally qualify for a conventional bank loan.
We pride ourselves on our fast-turn around and the exceptional quality of service we offer our clients. Our prudent, responsible underwriting enables us to expedite the approval process for our borrowers. We provide easy guidelines and flexible terms, enabling our clients to get funded quickly so they can take advantage of opportunities as they arise.
We originate 1st, 2nd, and 3rd trust deeds. Our loans typically close within 3-7 business days and we don’t require a minimum FICO credit score. Additional benefits include:
- Loan amounts from $25,000 to $4,000,000
- Loan-to-value ratios up to 75%
- Loan terms starting at 3 to 10 years