San Jose Residential Loans

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.

Since 1975, we have successfully helped our clients in obtaining San Jose residential loans ranging from $25,000 to $4,000,000. The loans we provide are the most quick, simple and cost-effective way of tapping into an equity. We are committed to providing our clients with the most affordable rates, aggressive terms while also expediting the lending process and eliminating excess delays.

Loan inquiries are a quick and simple process. It is recommended that our clients know what loan they are seeking. Other details to have off hand is the desired amount, type of property being financed and estimated value of the property. With all this in mind, the next step is to go to our Quick Loan Inquiry page to submit the details of the desired loan. Shortly after, one of our account executives would be contact to discuss the full application process. The final step would be filling out a full application on our New Loan Application page, where there is a step-by-step guide to lead you through the process.

Borrowing Money for a Home

Financing for a residential home loan can range in difficulty and is contingent upon the market conditions. When there are more borrowers in the market, lenders typically become stricter with terms and conditions. However, as the market gets better and when there is more money available, the loans will be made more attractive to borrowers and easier to obtain. We understand that this can be a stressful process especially when there are so many options available to a prospective investor.

We are committed in simplifying the lending process for our investors. Need a refinance loan or just a traditional residential loan? We can provide you the pros and cons of each option so that you can make the best choice. 

Benefits of choosing Val-Chris

  • Fast Loan Approval
  • Easy Qualifications
  • Debt-Management
  • Tax Saving Refinances
  • Real Estate Purchases
  • All Types of Properties – Residential, Multi-Unit and Commercial
  • 1st, 2nd or 3rd Trust Deeds
  • Private Money Equity Loans Available