Valoro Mortgage is currently completing NMLS licensing in New York — this site is informational and does not yet originate loans.
From first-time buyers to seasoned investors, here's a plain-English breakdown of the loan programs Valoro Mortgage works with across our wholesale lender network.
Conventional loans follow guidelines set by Fannie Mae and Freddie Mac and are a strong fit for borrowers with steady income and solid credit. They typically offer competitive rates and, with 20% down, no mortgage insurance.
FHA loans are government-backed and built for first-time or lower-credit-score buyers, with down payments as low as 3.5%. VA loans are available to eligible veterans, active-duty service members, and surviving spouses — often with 0% down and no monthly mortgage insurance.
When a loan amount exceeds conforming loan limits, it's considered "jumbo." These loans finance higher-value homes and typically require stronger credit, larger down payments, and more cash reserves — but Valoro Mortgage shops multiple wholesale jumbo programs to find flexible structuring.
Debt-Service Coverage Ratio (DSCR) loans qualify investment properties based on the property's rental income rather than the borrower's personal income — no tax returns or employment verification required. Popular with real estate investors scaling a rental portfolio.
Built for self-employed borrowers, business owners, and 1099 earners whose tax returns don't reflect their full earning power. Qualification is based on 12–24 months of bank statement deposits instead of traditional income documentation.