If you're looking for a private money lender with vast experience, to close loans quickly and smoothly, you've come to the right place.
Since 1975 Val-Chris has been serving our communities all over San Jose and beyond with hard money loans, privately funded and backed by secure real estate holdings. Our investors and borrowers come back to us year after year because we have the ability to fund loans where traditional means have fallen short. Read about our exclusive services for brokers, borrowers, and investors below.
We are ready to provide you with top tier financial services for Brokers, Borrowers, or Investors. Call us, send a message, or start a full application process when you are ready to experience the Val-Chris difference.
Location & Services
2601 Main Street, Suite 400
Irvine, CA 92614
Having trouble obtaining a loan from a San Jose conventional lender? Let us help you! We can provide alternative financing solutions for borrowers who are unable to get traditional financing and can assist clients with a low FICO credit score, self-employed or have no proof of income.
Residential loans are one of the most common types of loans. It is characterized by the amount of cash required to purchase the real estate property outright and the level of property prices. Val-Chris offers a myriad of options that can assist prospective investors with their residential loan process.
Our commercial loan packages are tailored and customized for each individual business. We strive to offer the best terms and the most competitive rates and fees to our clients, which has been the cornerstone to our success in being one of the leading commercial/industrial/mixed-used lender in San Jose.
Investment loans are among one of the popular loans and range from interest only to line of credit. Often, these types of loans are difficult to qualify for and have a stringent approval process, but at Val-Chris, we understand how incredibly beneficial an investment loan can be to an investor and are committed in assisting our clients through the process and finding the best lending option.
Integrity, dedication and transparency has been the cornerstone of our mission statement and the reason behind our continual success for the last 40+ years in the San Jose private money lending industry.
Our owner and non-owner-occupied loans are one of the most competitive in the industry, which is why we have been one of the leading private money lenders in San Jose for the last 40+ years. Our services include up to 70% LTV on purchases, up to 65% LTV on refinances and our loans usually spans from $25,000 to $4,000,000.