Val-Chris Investments
Irvine, CA
DRE #01002882 | NMLS #243299 | DBO #603 5063
Since 1975 we have helped thousands of clients successfully obtain residential investment property loans in amounts anywhere from $30,000 and up.
Our expertise is in providing business purpose hard money loans for residential property investment to borrowers who have been turned down by conventional lenders, or borrowers who prefer to avoid the endless delays or conditions required by these lenders. In some cases, our clients simply don’t have the time required by these traditional lenders and we can offer a fast, easy, cost-effective way of tapping into their equity or in purchasing the residential property they want.
The first step is to find out the basic details about what type of loan you are seeking, such as the desired loan amount, type of property you are financing, and the estimated value of the property. Contact us through the appropriate link to get in touch and one of our loan officers will contact you directly to discuss the full application process and answer any questions you have about specific options or loan features.
If you are ready to move forward with the full application process then your dedicated loan officer will guide you step by step.
Borrowing Money for a Home
Financing a home loan can vary in difficulty depending upon the market conditions, as lenders will become stricter with criteria as more borrowers are in the market. As times get better and there is more money available, the loans will be made more attractive to borrowers and easier to obtain. We know how stressful this process can be, and frankly just how many options there are available to you as a prospective home buyer.
Whether you are a first time home buyer, need a refinance loan, or just a traditional residential loan, we can give you the benefits or downside to each option and decide what the best fit for your situation is. Here are a few examples of the different loan solutions we can provide.
- Standard real estate purchases
- Refinance loans for tax saving reasons
- Debt restructuring or debt management
- All property types – Units, lots, 2nd homes, commercial property, land, etc.
- 1st, 2nd, and 3rd trust deeds
- Private money equity loans
- Loans for LLCs, Corporations and Trusts
We are proud of our ability to close loans that few other lenders can provide, due to access to private investment money. Our investors have worked with us for over 40 years because they trust our ethical, intelligent loan process.
Property Geographic Area Details
Loan Amounts
Interest Rates
Loan Terms
Lien Position
Property Types
- 2-4 Units Residential
- Adult Day Care
- Agricultural
- Assisted Living Facility
- Auto Dealership
- Auto Repair
- Bed and Breakfast
- Cannabis Dispensary
- Car Wash
- Child Day Care
- Cinema
- Club
- Commercial Condominium
- Commercial Land
- Community Center
- Condominium
- Cooperative
- Equestrian
- Event Center
- Gas Station
- Golf Course
- Gym
- Healthcare
- Hospital
- Hotel
- Industrial
- Manufactured Home
- Mixed-Use
- Motel
- Multifamily
- Night Club
- Office
- Parking Lot
- Place of Worship
- Portfolio of Residential Properties
- RV Park
- Ranch
- Recreational
- Rehabilitation Facility
- Religious Facility
- Residential Land
- Retail
- School
- Senior Housing
- Single Family Residence
- Sports Facility
- Storage Facility
- Student Housing
- Theater
- Vehicle Parking
- Winery
Specialty Loan Types
- 2nd Mortgage Equity Cash Out
- 3rd Mortgage Equity Cash Out
- Note Purchase
- Primary Residence Bridge
- Primary Residence Business Purpose Cash Out
- Residential Long-Term Rental
Junior Lien Loan Amounts
$30,000 to $2,000,000
Junior Lien Interest Rates
8.99% to 12.99%
Junior Lien Loan-to-Value
70%
Junior Lien Types
- Purchase
- Refinance
Description
We will go up to 50% LTV on land purchase loans in popular areas.
Land Types Considered
- Residential Land
- Multifamily Land
- Office Land
- Retail Land
Will Consider Land That is NOT Entitled
noMax LTV for Land
50%Max LTC for Land Acquisition
0%Junior Lien Types
- Purchase
- Refinance
Max Loan-to-Purchase Price
75%Borrower Must Have Property Under Contract
noWill Provide Proof of Funds Letter
noWill Consider Lending on Purchase from Auction
noAllowed Source of Borrower’s Equity
- Own Cash
- Partner
- Equity in Subject Property
- Equity in Another Investment Property
- Equity in Primary Residence
- Seller Financing
- Family
Processing Fee
Depends on Loan
Escrow Fee
Depends on Escrow
Title Fee
Depends on Title
Appraisal Fee
Paid to the appraiser
Minimum Origination Fee Amount
$3,000
Fees which are mandatory for all new borrower clients
- Underwriting Fee
- Documents Fee
Fees which are paid to a third party company
- Appraisal Fee
- Escrow Fee
- Title Fee
5426 Testimonials
Mary Pintar
"Wonderful service. Care to go extra mile to make sure I am aware of every process and very professional. Lisa and Esmeralda made my loan process easy and stress free. Pleasure to work with this company"
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Stay Informed About Private Lending
We’re a direct lender that provides creative loan solutions for borrowers, backed by responsible real estate investors.
Val-Chris is a hard money lender specializing in both residential and commercial loans, providing 1st, 2nd, and 3rd trust deeds. Our dedicated staff has over 100 years of real estate experience which we use to facilitate creative loan terms to fit our customer’s needs.
In our Orange County office, located in Irvine, California, we originate private money loans and have a loan servicing department to meet the requirements of both borrowers and investors. As a hard money lender, we pride ourselves on fast turn-around and giving quality service to all of our customers. Learn more about our private lending services below, and how they can help you.
Associations
- California Mortgage Association
- United Trustee Association
- Irvine Chamber of Commerce
- BBB
Office Locations
Val-Chris Investments2601 Main St, Irvine, CA 92614
Our Team
Jeff LaMotte
Vice President/Partner
DRE # - 01906305
NMLS # - 1813986
Chris Boulter
President
DRE # - 00914633
NMLS # - 298357
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Stay Informed About Private Lending
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