Val-Chris is committed to responsible, compliant lending packages featuring competitive owner and non-owner occupied loans, with up to 70% LTV on refinances, up to 75% on purchases, and loan amounts from $25,000 to $4,000,000.
For over the last 40 years, we have been one of the leading private money lenders in Oakland and the surrounding area.
Here are just a few more additional benefits that we provide:
- SFR, Condominiums, Townhouses
- Loan terms from 3 to 10 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
Learn more about our underwriting and pricing guidelines by visiting our contact page.
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.