Sacramento Private Money Services for Brokers

Val-Chris has been one of the leading private money lenders in Sacramento for the last 40 years.

Our services include one of the most competitive owner and non-owner occupied loans in the industry, with up to 70% LTV on refinances, up to 75% on purchases, and loans that range from $25,000 to $4,00,000.

Here are a few benefits in choosing Val-Chris:

  • 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 or contact us
directly. Our account executives are standing by to assist you with any questions.


  • Appraisal
  • Credit Report (must be no older than 2 months)
  • Completed 1003; and
  • A letter of loan purpose.