San Jose Private Money Services for Brokers

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 75% LTV on purchases, up to 70% LTV on refinances and our loans usually spans from $25,000 to $4,000,000.

In addition, here are a few other incentives 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

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.