(815) 499-5111 info@valzir.com
NMLS #2876198  |  nmlsconsumeraccess.org
Premium Mortgage Solutions

Creating
Value For
Generations

Smart Financing  ·  Real Solutions  ·  Lasting Legacy

We provide sophisticated mortgage solutions for homeowners, real estate investors, and business owners. Every program available. Bilingual service EN/ES.

Apply Now — It's Free → View All Programs
📋   Apply Online — Free & Secure
Secure application · No obligation · Response in 24 hrs
All
USA Coverage
24h
Pre-Approval
400
Min FICO
Valzir — Creating Value For Generations
Equal Housing Opportunity Lender Equal Housing Opportunity Lender
No Income Docs Required
ITIN & Foreign Nationals
Programs from 400 FICO
Bilingual EN / ES
Commercial Loans · All USA
All Loan Programs

Solutions for Every Goal

From first-time buyers to seasoned investors — we have the right program for every situation.

All loans subject to credit approval. Not all applicants will qualify. Programs, rates, terms and conditions are subject to change without notice. This is not a commitment to lend. NMLS #2876198. Fannie Loyola NMLS #1132991. Marco Marín NMLS #2026688.

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Conventional Loans
Competitive rates for primary homes, second homes, and investments. Down payment as low as 3% for first-time buyers.
Min 620 FICO3–20% DownPrimary / 2nd / Invest
Documents Required
Last 2 years W-2s & tax returns
Last 30 days pay stubs
Last 2 months bank statements
Government-issued photo ID
Social Security Number
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FHA Loans
Government-backed with low down payment and flexible credit requirements. Ideal for first-time buyers. 1–4 unit properties eligible.
Min 580 FICO3.5% Down1–4 Units
Documents Required
Last 2 years W-2s & tax returns
Last 30 days pay stubs
Last 2 months bank statements
Government-issued photo ID
Proof of residency / address
🇺🇸
VA Loans
0% down payment for veterans, active-duty military, and eligible surviving spouses. No PMI required. Competitive rates.
0% DownNo PMIVeterans Only
Documents Required
Certificate of Eligibility (COE)
DD-214 discharge papers
Last 2 years W-2s & tax returns
Last 30 days pay stubs
Government-issued photo ID
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USDA Loans
100% financing for eligible rural and suburban homebuyers. No down payment required. Income limits apply.
0% DownRural AreasIncome Limits
Documents Required
Last 2 years W-2s & tax returns
Last 30 days pay stubs
Last 2 months bank statements
Government-issued photo ID
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Home Ready / Home Possible
Fannie Mae & Freddie Mac programs with 3% down and reduced mortgage insurance for low-to-moderate income buyers.
3% DownLow MIIncome Limits
Documents Required
Last 2 years W-2s & tax returns
Last 30 days pay stubs
Homebuyer education certificate
Government-issued photo ID
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203K Rehab Loan
FHA-backed loan combining purchase and renovation. Finance up to $35K in repairs or full structural rehab. Great for fixer-uppers.
FHA-Backed3.5% DownPurchase + Rehab
Documents Required
Last 2 years W-2s & tax returns
Contractor bids & scope of work
HUD-approved consultant report
Government-issued photo ID
🏚
Fix & Flip — Short Term
Purchase and rehab financing. Interest-only payments. Up to 90% purchase + 100% rehab cost. Sell or refi and keep it.
Min 620 FICO90% LTV100% Rehab
Documents Required
Government-issued photo ID
Entity docs (LLC if applicable)
Purchase contract
Scope of work & contractor bids
3 months bank statements
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100% Fix & Flip
100% purchase + 100% rehab, Capped at 60% ARV. Requires FICO 750+, 5+ similar flips in the last 5 years, at least $80 PSF ARV & built after 1940. Zero out of pocket.
750+ FICO5+ Flips0% Down
Documents Required
Track record of 5+ flips (HUD statements)
Full appraisal with ARV
Entity documents (LLC/Corp)
3 months bank statements
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DSCR Rental Loans
Qualify on rental income only — no W-2s, no paystubs, no tax returns. 30-yr fixed available. Short-term rentals (Airbnb) eligible. Negative DSCR programs also available for qualified borrowers with strong compensating factors. Negative DSCR loans carry higher risk — consult your loan officer for full terms and eligibility requirements.
Min 660 FICONo Income DocsSTR Eligible
Documents Required
Government-issued photo ID
Lease agreement or rental income
Property appraisal (DSCR calc)
2 months bank statements
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ITIN & Foreign Nationals
No SSN required. ITIN accepted. Owner-occupied and investment. Fix & flip eligible. Programs from 400 FICO.
From 400 FICONo SSNAll Property Types
Documents Required
ITIN letter or foreign passport
12–24 months bank statements
Proof of income (any source)
Visa or residency documentation
🏢
LLC & Entity Loans
Close in your LLC, corporation, or trust. Available for DSCR, Fix & Flip, Bridge, and HELOC on investment properties.
LLC / Corp / TrustAsset Protection1–4 Units
Documents Required
Articles of Organization
Operating Agreement
EIN Letter from IRS
Good Standing Certificate
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Bridge Loans
Short-term financing for time-sensitive deals. Fast closings for auction purchases or while waiting for permanent financing.
Short TermFast ClosingInvestment Only
Documents Required
Government-issued photo ID
Purchase contract
Exit strategy documentation
Property value / appraisal
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Bank Statement Loans
For self-employed borrowers. Qualify using 12–24 months of personal or business bank statements. No W-2s or tax returns.
Self-EmployedNo Tax Returns12–24 Months
Documents Required
12–24 months bank statements
Business license or CPA letter
Government-issued photo ID
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Assets Depletion
Qualify using liquid assets — retirement, investments, savings divided over loan term. Great for retired borrowers or high-net-worth individuals.
No Income NeededRetired OKLiquid Assets
Documents Required
3 months: 401k, IRA, brokerage statements
Bank account statements
Government-issued photo ID
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Profit & Loss Loans
Use a CPA-prepared P&L instead of tax returns. Ideal for business owners whose returns show low income due to write-offs.
Self-EmployedNo Tax ReturnsCPA P&L Required
Documents Required
12–24 month CPA-prepared P&L
Business license verification
3 months bank statements
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1-Day Bankruptcy
Get a mortgage the day after BK discharge — no waiting period. Chapter 7 and Chapter 13. Larger down payment required.
Day 1 EligibleCH7 & CH13Larger Down Pmt
Documents Required
BK discharge paperwork
12–24 months bank statements
Letter of explanation
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No Credit Programs
Programs from 400 FICO or no credit history. Alternative credit references accepted. Helpful for recent immigrants building credit.
From 400 FICOAlt Credit OKNo History OK
Documents Required
Government-issued photo ID
12 months rent payment history
12–24 months bank statements
⏰
Delay Financing
Bought with cash? Pull your money back out shortly after closing — no seasoning period required. Recoup investment fast.
Cash BuyersNo SeasoningRecoup Cash
Documents Required
Original HUD-1 / Closing Disclosure
Proof of cash purchase (bank wire)
Title / deed of property
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Jumbo Loans
Financing above conventional loan limits ($766,550+). For luxury primary homes, second homes, or high-value investments.
Above $766KMin 700 FICO10–20% Down
Documents Required
Last 2 years W-2s & tax returns
Last 30 days pay stubs
3 months bank + asset statements
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Reverse Mortgage
For homeowners 62+. Convert equity into tax-free cash without monthly payments. Remain in your home. FHA-insured HECM.
Age 62+No Monthly PmtStay in Home
Documents Required
Proof of age 62+ (ID)
HUD-approved counseling certificate
Title / deed to property
💼
Commercial Loans
Financing for 5+ unit multi-family, office, retail, industrial, mixed-use. Various terms and structures available.
5+ UnitsMixed UseAll USA
Documents Required
Last 3 years business tax returns
YTD P&L and balance sheet
Rent rolls & lease agreements
Entity documents
🏗
New Construction
Finance the build from the ground up. Single-close available (combines construction + permanent financing). Interest-only during build.
Single CloseInterest OnlyPrimary / Invest
Documents Required
Construction contract & plans
Builder / GC license & insurance
Land purchase or deed
Draw schedule & budget
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Ground Up Construction
For builders and developers. Finance raw land plus construction. Residential and light commercial. Draw-based disbursement.
Builders / DevsLand + BuildDraw Schedule
Documents Required
Builder resume / track record
Architectural plans & permits
Detailed construction budget
GC license, bond, and insurance
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HELOC — Primary Home
Revolving credit line against your primary home equity. Use for anything: investments, renovations, debt consolidation. Interest-only available.
Revolving LineInterest OnlyAny Purpose
Documents Required
Last 2 years W-2s & tax returns
Last 30 days pay stubs
Mortgage statement (current)
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HELOC — Investment Properties
Unlock equity in your investment properties. Based on rental or personal income. Flexible terms for renovations or expansion capital.
Investment OnlyRental Income OKFlexible Terms
Documents Required
Lease agreements for all units
Last 2 years Schedule E
Entity docs (if in LLC)
💰
Cash-Out Refinance
Tap your equity at closing. Refinance for more than you owe and receive the difference in cash. Any property type. Any purpose.
Up to 80% LTVAll Property TypesAny Purpose
Documents Required
Last 2 years W-2s & tax returns
Current mortgage statement
Property appraisal
🔄
Rate & Term Refinance
Lower your rate, reduce your payment, or change your loan term. All programs and property types. Shorter or longer terms available.
All ProgramsAll PropertiesShorter / Longer
Documents Required
Last 2 years W-2s & tax returns
Current mortgage statement
Homeowner's insurance
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HELOAN (Second Mortgage)
Fixed-rate second mortgage. Borrow a lump sum against your equity. Fixed monthly payments — predictable and stable.
Fixed RateLump Sum2nd Mortgage
Documents Required
Last 2 years W-2s & tax returns
Current mortgage statement
Government-issued photo ID
🎁
FHA 100% — Down Payment Assistance
Combine FHA with a grant to cover the 3.5% down — essentially 100% financing. Grant requires no repayment.
0% Out of PocketGrant — No RepayIncome Limits
Documents Required
Last 2 years W-2s & tax returns
Homebuyer education certificate
Proof of income within limits
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IHDA — Illinois Programs
Illinois Housing Development Authority — Access Forgivable, Access Deferred, Access Repayable. Down payment + closing cost assistance.
Illinois OnlyForgivable GrantsFirst-Time Buyers
Documents Required
Illinois residency proof
Homebuyer education certificate
Last 2 years W-2s & tax returns
📍
County & Municipal Grants
DuPage, Cook, Chicago and surrounding areas have grant and loan programs for qualifying buyers. Availability varies by location.
Local ProgramsVaries by CountyAsk Us
Documents Required
Varies by county / municipality
Proof of local residency
Contact us for specifics
Ready to Get Started? Pre-Approved in 24–48 Hours.
No income docs required for investor programs. Call, text, or apply online — we respond fast. NMLS #2876198
Apply Online → 📞 (815) 499-5111
25+
Direct Wholesale Lenders
🤝
One source for all your funding needs — no shopping around
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Fast closings — we get the deal done when others can't
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Bilingual service — English & Spanish professionals
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Loan officers who are real estate investors — we invest in what we finance
📞
Direct access to your loan officer — personal, dedicated service
Why Choose Valzir

The Standard of Excellence in Mortgage Lending

We combine institutional-grade access with personalized service — every client receives the same dedication we give our own investments.

01
We Evaluate the Deal — Not Just You
No paystubs, no W-2s required for investor programs. We qualify based on the property's potential and your investment strategy.
02
Investor-Focused. Investor-Operated.
Our team personally invests in real estate — 25+ properties, multiple fix & flips, and 54+ units combined. We use these same programs ourselves.
03
Every Program. One Place.
Registered with 25+ direct wholesale lenders. From FHA to DSCR, ITIN to commercial — we have the program for any situation.
04
Bilingual — English & Spanish
Proudly serving the Latino community and international investors. Full service in both languages — porque tu patrimonio merece la mejor asesoría.
The Process

How to Get Funded

01
Apply Online
Complete our quick application at valzir.com or call us directly to discuss your goals and financial situation.
02
Pre-Qualification
We issue your pre-approval or Proof of Funds letter within 24–48 hours so you can make offers immediately.
03
Loan Submission
We match your file to the best lender and program, and handle all underwriting, appraisal, and documentation.
04
Approval & Close
Final approval, review your loan terms, and we get you to the closing table — helping you achieve your goals.
Financial Tools

Mortgage Calculators

Estimate your monthly payment or analyze a rental property's DSCR ratio in seconds.

🏠
Monthly Payment
Mortgage Payment Estimator
Estimated Monthly Payment
$2,097
Principal & Interest
$1,922
Property Tax
$350
Insurance
$150
Loan Amount
$280,000
Total Interest
$211,850
Down Payment %
20.0%
Total Cost
$691,850
Apply Now — Get Your Rate →
*Estimate only. Actual payments vary. Contact us for exact quote.
📊
DSCR Calculator
Debt Service Coverage Ratio
What is DSCR?
DSCR = Monthly Rent ÷ Monthly Mortgage. A ratio ≥ 1.0 means the property pays for itself. Most lenders require 1.0–1.25+.
DSCR Ratio
1.31
✓ Qualifies
Monthly P&I
$2,238
Net Rent
$2,800
Monthly CF
+$162
Loan Amount
$320,000
Down Payment $
$80,000
Annual Cash Flow
+$1,944
Annual ROI
2.4%
DSCR Qualification Guide
Below 1.0 — Negative DSCR (special programs available)
1.0 – 1.10 — Marginal (some lenders)
1.10 – 1.25 — Good (most lenders)
1.25+ — Excellent (best rates)
Apply for DSCR Loan →
*Estimate only. Actual DSCR and rates vary by lender.
Meet the Team

Investors Lending to Investors

Fannie Loyola - President, Valzir Mortgage
FANNIE LOYOLA
President · Mortgage Loan Officer · NMLS #1132991
815-499-5111 floyola@valzir.com
12+ Years Experience · 5 Years Mastery · 25 Properties · 54 Units · 7+ Fix & Flips
Marco Marin - Loan Officer, Valzir Mortgage
MARCO MARÍN
Mortgage Loan Officer · NMLS #2026688
224-678-3186 mmarin@valzir.com
Bilingual EN/ES · 2–4 Unit Specialist · Fix & Flip Investor
Common Questions

Frequently Asked Questions

What programs do you offer?
Every program: FHA, VA, USDA, Conventional, Jumbo, 203K, Non-QM, Bank Statements, Assets Depletion, P&L, DSCR, Fix & Flip, 100% Fix & Flip, ITIN, Foreign National, Construction, HELOC, Bridge, Commercial, Reverse Mortgage, Down Payment Assistance, IHDA Grants and more.
What credit score do I need?
Programs start as low as 400 FICO for ITIN and certain Non-QM. Fix & Flip from 620. DSCR/conventional from 660–680. 100% Fix & Flip requires 750+. We have options for almost every credit situation.
Do I need income verification?
No! For investor programs — DSCR, Fix & Flip, Bridge — no paystubs, no W-2s, no tax returns. We qualify based on the deal. Bank statement, P&L, and assets depletion also available for self-employed.
Can I close in my LLC?
Yes. Our investor programs are designed to close in your LLC, corporation, or trust. You'll need: Articles of Organization, Operating Agreement, EIN letter, and Good Standing Certificate.
Do you lend to ITIN holders or non-citizens?
Yes — we specialize in ITIN and Foreign National programs. No Social Security Number required. We lend for owner-occupied, investment, and fix & flip. Programs from 400 FICO with ITIN.
How quickly can I get pre-approved?
We typically issue a Proof of Funds or Pre-Approval within 24 hours of receiving your information. Fast turnaround so you can make offers immediately.
Where do you lend?
Commercial loans available in all USA. Residential loans licensed in multiple states — contact us to confirm availability for your property location and program.
How do I get started?
Call or text (815) 499-5111, email us, or fill out our online form. We'll identify the best program for your situation and get you moving within 24 hours.
Client Reviews

What Our Clients Say

Reviews are from verified clients. Individual results may vary. Testimonials may not represent typical client experience.

★★★★★
5.0
· 90+ Verified Reviews
★★★★★
"Fannie knows everything when it comes to Mortgages. I will never work with anyone else besides her. I've already referred my father to her."
VC
Verified Client
Birdeye · 5★ Review
★★★★★
"Ms. Fannie Loyola is a very professional woman who likes to help her clients. She is very responsible. In my experience she is very professional. Thank you so much for all your help."
ST
Sergio Torres & Family
Birdeye · 5★ Verified Review
★★★★★
"Love working with Fannie. She always finds a solution and goes above and beyond for her clients. Highly recommend!"
JB
Jary B.
Birdeye · 5★ Verified Review
★★★★★
"Great communication, excellent service! Thank you for all your support — it was great working with you."
JM
Jose M.
Birdeye · 5★ Verified Review
★★★★★
"SU AMABILIDAD Y DEDICACIÓN. MUCHAS GRACIAS POR SU AYUDA. Fannie helped us achieve our dream of homeownership. She truly cares about her clients and goes the extra mile every time."
VC
Verified Client
Birdeye · 5★ Verified Review
★★★★★
"Fannie is an expert in mortgage solutions for the Latino market and self-employed clients. I highly recommend her to anyone looking for a reliable, knowledgeable loan officer."
BI
Bb I.
Experience.com · 5★ · Jan 2025
Read All 90+ Reviews on Birdeye →
Industry Recognition

Fannie Loyola — Awards & Credentials

NAHREP Top 250 Latino Mortgage Originator
NAHREP Top 250
National Association of Hispanic Real Estate Professionals — Top 250 Latino Mortgage Originator
Scotsman Guide Top Originator 2023
Scotsman Guide
Top Originator 2023 — National mortgage industry ranking publication
NAMMBA Top 100 Award Winner 2021
NAMMBA Top 100
National Association of Minority Mortgage Bankers — 2021 Award Winner
Latinas in Real Estate Vol III
Best-Selling Author
Contributing Author — Latinas in Real Estate Vol. III · Available on Amazon
🎤
NAHREP Board — VP
Vice President of the NAHREP Board — National Association of Hispanic Real Estate Professionals. Featured conference speaker.
🏆
Marquis Who's Who
Inducted — Lifetime Achievement and professional excellence in mortgage lending
Who's Who Chicago Hispanic Power — Negocios Now — Fannie Loyola
Who's Who Hispanic Power
Negocios Now — Chicago Who's Who in Real Estate — Hispanic Power recognition
5.0
★★★★★
Star Rating
90+
Verified Reviews
12+
Years Experience
Read Reviews →
Let's Build Your
Financial Legacy.
Call or text today. Pre-approved in 24 hours. Every program available. We get the deal done.
Apply Now — It's Free → Call (815) 499-5111
Get in Touch

Contact Us Today

📞
Main Office
(815) 499-5111
✉️
🌐
Team Direct Lines
Fannie Loyola · NMLS #1132991815-499-5111
Marco Marín · NMLS #2026688224-678-3186
Get Pre-Approved Today
Fill out the form and we'll reach out within 24 hours.

By submitting this form you agree to be contacted by Valzir LLC regarding your mortgage inquiry. All loans subject to credit approval. Not all applicants will qualify. This is not a commitment to lend. NMLS #2876198.

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