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This case study involved a Canadian borrower with no US Citizenship or permanent resident status. For a conventional loan this situation would cause major complications for the loan package. We were able to facilitate a $120,000 loan on a Palm Desert rental property at a ratio of 59% LTV. Not only that, the borrower had no credit score -which ultimately was not a problem.
Want to talk to us about your unique borrowing situation?
ContactVal-Chris Investments, Inc.
2601 Main Street, Suite 400
Irvine, CA 92614
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. 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.
