The Difference Between Private and Hard Money Loans
When it comes to securing a loan for real estate, most people turn to one out of two possibilities: a conventional loan from a bank
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When it comes to securing a loan for real estate, most people turn to one out of two possibilities: a conventional loan from a bank
Commercial real estate, in plain terms, is definable as a non-residential property that’s income-generating. In comparison to residential investments, such properties can be a dominating
Private money lenders traditionally offer quick, convenient funding for rehab projects, flippers, and cash-out refinancing. As noninstitutional money lenders, private lenders are beneficial for borrowers
Private hard money lenders are distinctly different from traditional money lenders such as banks and financial institutions. The best thing about hard money lenders is
Success is a great challenge—a continual encounter that humans face throughout their lives. In our careers, success derives from a remarkable mixture of assorted factors
Private money lenders are sometimes the very best source to turn to when you want to invest in a property. Unlike traditional loans from financial
It was very early in the pandemic when fears of economic recession started to circulate. Though at this time we were only just beginning to
Hard money loans are a form of private money loans, where private lenders lend a borrower money to invest in a property instead of traditional
Despite appearances, entering the hard money lending business isn’t as simple as it seems. In the prior years of the private money lending industry, some
Private money lending is exactly what the name implies: a loan given to a borrower by a private organization or a wealthy individual. Traditional money
A private money lender can be the solution to all your home, investment, business, and real estate ambitions, but the dream doesn’t come easy. Circumstances
The COVID-19 virus financial crisis and the downturn of the stock market has created liquidity issues for the Non-QM lenders causing them, as well as Wall Street, to rethink their strategy moving forward.
The COVID-19 virus financial crisis and the downturn of the stock market has created liquidity issues for the Non-QM lenders causing them, as well as Wall Street, to rethink their strategy moving forward.
Conventional mortgage rates are generally determined by a number of factors such as the federal reserve’s rate policy and the secondary market.
No investment is guaranteed regardless of the vehicle you choose to put your money into. When it comes to the stock market, your money is vulnerable to market changes and “word of mouth”.
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 Processing Manager
949-252-8020 ext. 1200 | mark@val-chris.com
Controller
040-252-8020 ext. 3100 | david@val-chris.com
Doc Drawer
949 252-8020 ext. 5500 | jackie@val-chris.com
Loan Servicing Assistant
949-252-8020 ext. 3200 | tom@val-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.
Loan Servicing Manager
DRE #01882452
949-252-8020 ext. 1900 | erick@val-chris.com
Loan Servicing Assistant
949-252-8020 ext. 3500 | linda@al-chris.com
Account Executive
DRE #02006690
949-264-3487 | cecilia@val-chris.com
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.
Administrative Assistant
949-252-8020 x 5000 | gladys@val-chris.com
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.