Borrowers Overview
Since we are backed by private investors, our loan products are available to borrowers with unique requirements and flexible loan terms.
Private Hard Money Loans for Borrowers
Flexible loan terms. Personalized support. Financial solutions built with your needs in mind. Val-Chris Investments is ready to help you achieve your specific real estate goals- no matter how unique they are.
Benefits of Private Hard Money Loans for Real Estate
For nearly five decades, Val- Chris Investments has provided private money lending services to a wide range of borrowers. Our streamlined, flexible, and creative application process can help you get the private money for real estate you need without the constraints of traditional banking.
We Offer You
Simple Qualification
Navigating the path to loan approval has never been easier. We tailor our evaluation to accommodate your unique circumstances, whether you're seeking quick funds for your business account, aiming to purchase or refinance an investment property, or dealing with low credit scores, non-US residency, or self-employment.
Fast Turnaround
Time is of the essence in real estate investments. Our process reflects that urgency. From application to closing, expect swift and decisive action. Loan decisions are typically made in days, leading to closing times as fast as 5-14 business days.
Competitive Rates
We’re committed to providing speed, flexibility, and fairness in our loan terms. Our interest rates are constantly adjusted to remain competitive and equitable as part of our commitment to ensuring you receive a deal that reflects the current market conditions and your specific scenario.
Flexible Terms
Your investment strategy requires agility. Our loans are crafted to match. With financing up to $4 million, loan-to-value (LTV) ratios as high as 65 percent, and repayment terms that adapt from 1-3 years, we offer the flexibility needed to navigate the dynamic real estate market.
Ready to take the next step in your real estate journey?
Hard Money Loan Products
Our comprehensive suite of loan products is designed to empower your real estate ambitions—from residential to commercial and everything in between.
Residential Hard Money Loans
Tailored to meet the needs of each borrower, our residential loans fill the gap left by traditional lenders. Enjoy less stringent qualifications and a faster funding process whether you want to purchase, refinance, or cash out.
Commercial, Industrial, and Mixed-Use Hard Money Loans
Expanding your portfolio? Refinancing an existing property? Purchasing an investment property? No matter your needs, our team works closely with you to structure a loan that fits your specific project goals and timelines.
Investment Property Hard Money Loans
From rental properties to fix-and-flip projects and beyond, our expertise and swift funding capabilities support your investment strategy at every step. With competitive rates and terms designed for investors, we’re here to fuel your success in the real estate market.
What to Expect When Working with Val-Chris Investments
Our approach is centered around clarity, efficiency, and personalized support.
When you work with Val-Chris Investments, we'll take you through:
- Initial consultation:
You’ll share your project details and goals with our team.
- Custom loan structuring:
You’ll receive loan options that suit your unique needs.
- Effortless application:
You’ll apply through our simplified process.
- Swift underwriting:
We’ll perform a rapid yet thorough evaluation
The Val-Chris Difference
For nearly 50 years, Val-Chris Investments has provided creative loan solutions that meet the unique needs of borrowers and investors alike. We’re committed to navigating even the most complex financial situations—working hard to connect you with flexible, fast, and fair financing options. Our team is proud to be more than just your direct hard money lender; we’re here to be a genuine partner, supporting your financial journey with our expertise and personalized care.
Get a Free Quote
Learn why we're different
Borrowers love our upfront fees and fast closing times. Get a free quote today and see how we can partner with you (or your client) and find success.
Hear From Our Happy Clients
Self-Employed Real Estate Investor Secures Commercial Property Financing
A self-employed real estate investor, facing challenges with conventional loan approval, successfully secured financing with Val-Chris Investments. We provided this borrower with a $200,000 commercial property loan in the City of Commerce for a 57.1 percent combined loan-to-value (CLTV) ratio.
VIP Treatment
Everything went smoothly and I felt as if I was one of their top clients. I couldn't have asked for a better experience. The process was very quick, efficient and painless. I highly recommend Val Chris Investments. They are one of the best and most responsive professionals.
LLC Leverages Asset-Based Lending for Profitable Real Estate Flip
By partnering with Val-Chris, an LLC obtained a swift $150,000 loan for an owner-occupied, single-family residence in Victorville. The funds were strategically used for a flip project that resulted in substantial profit. We were pleased to facilitate fast, flexible investment property financing options to support this investment’s success.
Tried Every Other Lender, but Val-Chris Got It Done!
I tried several big lending companies that advertise on the internet, some even specialized in my loan type, but I could not secure a loan for a 20 year established medical business serving the community, until I found Val-Chris. The staff worked so efficiently, with attention to detail. I wish I would have just started with Val-Chris Investments from the beginning.
Frequently Asked Questions
We offer purchase and refinances transactions. Property types vary by state. We even offer owner-occupied loans in most states. They must all be for business purposes. Contact us with your scenario!
No. Private loans from Val-Chris are structured with the borrower’s success in mind. Although all financial decisions carry inherent risks, our transparent terms, competitive rates, and personalized service aim to minimize those risks. Instead, we provide reliable refinancing options to help you achieve your real estate objectives.
Send us the scenario, including property address, estimated value, proposed loan amount, info on any senior liens and an estimate of the borrower’s FICO credit score. From there, we will provide proposed terms. If you are interested in proceeding. we would provide next steps which include our disclosures package and info on how to order an appraisal.
Yes! Hard money loans primarily evaluate the equity within the property, more so than your qualifications as a borrower. So whether your credit is less than perfect, you are unable to provide proof of self-employed income or some other less than ideal factor that disqualifies you conventionally, you can still get a loan from us if the equity is sufficient.
Typically 1-3 years interest only with a balloon payment at maturity.
We offer hard money loans on all property types (depending on the state). Contact us to find out if your scenario works with what we can do!
Typically 5-14 business days from receipt of a full package and appraisal performed by one of our approved appraisers. Unlike other lenders, we won’t drag out the process. We understand you need your funds quickly and we work to make that happen!
Ready to discuss creative real estate financing for your unique borrowing situation?
We would be delighted to chat about your specific needs and goals.
