San Francisco Private Money Services for Brokers

We have been one of the leading private money lenders in San Francisco for the last 40+ years because our owner and non-owner occupied loans are some the most competitive in the industry.

We offer up to 70% LTV on refinances and up to 75% on purchases, with loans that range from $25,000 to $4,000,000. Here are just a few benefits of 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

Contact us today for additional information on underwriting and pricing guidelines. 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.10