A few benefits in choosing us include:
- An efficient and knowledgeable staff.
- A simple application process.
- A trusted and reliable lending experience.
As one of the leading asset-based, direct, private and hard money lenders in Sacramento, Val-Chris has provided a range of loans from residential to commercial and industrial properties for the last 35 years. Our diverse portfolio of borrowers includes individuals, limited liability companies, trusts, estates, corporations, foreign nationals, and probates. Our direct private money solutions serve as a valuable resource for borrowers that typically wouldn’t qualify for a traditional bank loan.
We specialize in prudent and responsible underwriting, which allows us to expedite our clients through the approval process and get funded quickly. With loan transactions we focus on the current value of the property, purpose of the loan, and borrower’s ability to repay the loan. As an alternative lending solution, we offer lending packages that are quick and easy.
We originate 1st, 2nd, and 3rd trust deeds with loans typically closing in 3-7 business days, and we don’t require a minimum FICO credit score. Additional benefits include:
- Loan amounts from $20,000 to $2,000,000
- Loan-to-value ratios up to 75%
- Loan terms starting at 3 to 7 years