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.

Sacramento Private Money Services for Brokers

Val-Chris has been one of the leading private money lenders in Sacramento for the last 45 years.

Our services include one of the most competitive owner and non-owner occupied loans in the industry, with up to 65% LTV on refinances, up to 65% on purchases, and loans that range from $25,000 to $4,000,000.

Here are a few benefits in choosing Val-Chris:

  • 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

Learn more about our underwriting and pricing guidelines by visiting our contact page or contact us
directly. Our account executives are standing by to assist 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.