PRIVATE MONEY LENDING
PRIVATE LENDING SERVICES & Real Estate Investments Since 1975.
Secure real estate investments, creative private funding solutions, helping our clients for over 45 years.
Secure real estate investments, creative private funding solutions, helping our clients for over 45 years.
Val-Chris is a hard money lending company specializing in both residential and commercial loans, providing 1st, 2nd, and 3rd trust deeds. Our dedicated staff has over 100 years of real estate experience which we use to facilitate creative loan terms to fit our customer’s needs.
In our Orange County office, located in Irvine, California, we originate private investor hard money loans and have a loan servicing department to meet the requirements of both borrowers and investors. As a hard money lender, we pride ourselves on fast turn-around and giving quality service to all of our customers. Learn more about our private lending services below and how they can help you.
Whatever your financial requirements may be, we have unique funding solutions that fit with our private money lending services.
Whether you plan on owning your property for several years before selling it at a profit, plan on renting out the home to make a profit each month, or have some other plan for the property, our investment property loans are securable at competitive rates. READ MORE
The right commercial loan for your needs should have the most favorable terms and allow you enough capital to achieve business goals. Our experienced professionals can secure a competitive Commercial or Industrial Loan with our private money loan servicing. READ MORE
As a hard money lending company backed by private money investors, the terms of our residential loans are much more than just “conventional”. The specialized service we provide can help our borrowers and brokers secure loans quickly, where others have failed. READ MORE
At Val-Chris we value our broker relationships highly, and do everything possible to facilitate quick, straightforward transactions.
New to trust deed investing? Read about our unique approach, case studies, and why our investors stay with us for years and years. Read More
Account Executive
DRE #02100237
310-770-1904 | jack@val-chris.com
Funding Assistant
NMLS #2385154
949-252-8020 ext. 4200 | patty@val-chris.com
Patty is a California Native raised in the South Bay. She resides in Seal Beach for the last 25 years.
Patty is a graduate from Cal State University Long Beach, with a Liberal Arts/Psychology major. She is a mother of two sons: Evan, a graduate of the University of Alabama and Bryton, a student and lacrosse player at The University of Tampa. She enjoys watching sports (football and ice hockey are her favorites) and volunteering at local community events.
She has over 25 years in the mortgage industry with many different roles: processor, underwriter, loan officer, production manager.
Loan Servicing Assistant
949-252-8020 ext. 3700 | gavin@al-chris.com
Loan Servicing Assistant
949-252-8020 ext. 3000 | maria@val-chris.com
Maria is a Southern California native and currently resides in Irvine, CA with her husband.
Maria joined the Val-Chris Investments servicing team November of 2022. She has worked in loan servicing for the last six years. Prior to joining the VCI team she acted as a Senior Specialist and Servicing Instructor for Wells Fargo Home Mortgage.
Maria is a follower of Jesus Christ and enjoys family gatherings on the weekends.
Compliance Manager
DRE #01229562 | NMLS #2401760
949-252-8020 x 1020 | kathy@val-chris.com
Kathy is native to Orange County and currently resides in Huntington Beach, CA. She is a licensed Salesperson with the CA Dept of Real Estate and has her MLO Endorsement with the NMLS. She has been in the mortgage industry for over 30 years. Her goal is to help grow Val-Chris Investments and be an integral part of
the team.
Outside of work, Kathy enjoys the beach, bike riding and hiking. She also enjoys cruising the seven seas with her husband, and spending as much time as possible with her grandson, Brayden.
Loan Processor
949-252-8020 ext. 2200 | annette@val-chris.com
Annette is a California native and was raised in Southern California. She is a proud mom of four grown children; Zoe, Harli, Zen, and Jett. Annette enjoys spending time at the beach, reading, and writing. She also volunteers her time in helping the homeless community.
Loan Processor
949-252-8020 ext. 1500 | kara@val-chris.com
Kara is an Orange County native who currently resides in Tustin. She attended Cal State Fullerton studying Geography before working for Val-Chris Investments. Most of her free time is spent at the beach whether it be yoga, roller skating, or bonfires with friends and family.