When you’ve been rejected from a conventional lender, you know you can always depend on Val-Chris to get you the best private loan.
As one of the leading money lender in San Diego, we understand that getting a loan can be difficult, especially if you don’t have proof of income, hold a low FICO credit score and/or self-employed. We will work with you regardless of your background to find you the best option for your financial needs.
Why choose us?
Our excellent and long-term relationships with our numerous clients are a testament to our continual success and amazing and knowledgeable account executives. In addition, our application process is simple and straightforward and our ability to identify the right option for our clients have garnered us the trust and integrity that we are known for.
Our specialty is in asset-based, private and direct hard money lending. This includes residential, industrial and commercial loans in the San Diego area. We have worked with a range of different clients including corporations, limited liability companies, estates, foreign nationals, and probates. Our list of clients of extend to borrowers who do not quite satisfy the strict underwriting guidelines of a traditional loan.
Our own underwriting guidelines and terms allow us to be very time efficient with out speedy loan approvals. When it comes to loan transactions, the bottom line for us are:
- Current value of property
- Loan purpose
- Ability to repay
Highlights from our Loan Program Loan
There are many benefits to our loan program including fast closings (3-7 business days), terms that range from 3-10 years, and up to 75% in loan-to-value ratios. A few additional benefits include:
- No required FICO credit score minimums
- Loan amounts ranging from $25,000 to $4,000,000
- We originate 1st, 2nd, & 3rd Trust Deeds
With over 40 years of experience, we have provided competitive rates and fast closings at a very low cost, which has made us into a leader in the private money lending industry. For more information on private money loans in San Diego, contact us today!