Attention California Borrowers

Need mortgage payment assistance?  The California State legislature recently passed legislation that may assist you maintain ownership of your home if you are having trouble making your mortgage payment.  Apply online at  WWW.CAMORTGAGERELIEF.ORG or talk to a housing counselor at 800-569-4287.

Fresno Private Money Services for Brokers

For the last 40+ years, we have been one of the leading private money lenders in Fresno.

We provide one of the most competitive owner and non-owner occupied loans in the industry, with up to 60% LTV on refinances and up to 65% on purchases. Loans range from $25,000 to $4,000,000.

A few incentives in choosing Val-Chris include the following:

  • SFR, Condominiums, Townhouses
  • Loan terms from 1 to 3 years
  • Stated income loan; and
  • No FICO score minimums.

Multi-Family Units (2+ units)

  • 65% LTV on purchases
  • 60% 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

For more information regarding underwriting and pricing guidelines, please contact us today! Our team of experts are here to help you with any questions.

LOAN PRICING IS THIS EASY! SEND US THE FOLLOWING:

  • Appraisal
  • Credit Report (must be no older than 2 months)
  • Completed 1003; and
  • A letter of loan purpose.