NICHE LOANS

 

NICHESValley View Home Loans is constantly staying on top of the mortgage industry and our goal is to make sure we have the proper products to meet your financial goals. Our current lending niches are below.

    • Interest only loans available – Owner occupied and 2nd homes only, up to 70% LTV
    • 40 year terms available – Owner occupied, 2nd homes and Investment allowed. Up to 95% LTV for owner occupied conforming loan amounts and a 620 fico
    • Non Warrantable Condos – Have a condo that is non warrantable? We can help
    • Asset Depletion Loans – Have money in 401k, stocks, mutual funds or checking/savings? We can use these funds to add as income source to help you qualify
    • 1 year tax return program for Self Employed
    • $0 closing costs options available, ask your loan representative for more details
    • Jumbo cashout loans up to $5M
    • Lender Paid Mortgage Insurance – Can be a cheaper alternative to borrower paid mortgage insurance. Lender Paid Mortgage Insurance is not added to your payment, but is included in your interest rate
    • Fannie Mae HARP 2.0 up to 150% by exception
    • Foreign National loans available
    • Own 5-10 financed properties? We can help
    • Non Occupant co borrower loans
    • Qualify with proposed rental income to qualify for new purchases

Home Loans are the biggest financial investment for most Americans. Valley View Home Loans licensed mortgage originators can take the stress and pressure of the loan process, off your shoulders. We have streamlined our production and processing to minimize paperwork and fund your loan on time without last minute surprises. Click Apply Now to see how low your payment can be, or take a look at our 30yr Loans, Jumbo Loans, FHA Loans, Underwater Loans, Adjustable Rate Loans and Interest Only Loans.