Open House Todd Crane — Valor Home Loans

Valor Home Loans
Open House Incentive:

You scanned the QR Code. Great! Now what does that mean for you?

Up to $2500 towards closing costs

when you use Todd Crane with Valor Home Loans for your home financing. Take .3% of the Loan Amount - up to $2500 - to buy down the rate, use towards the appraisal fee, or whatever you decide!

But why else should you consider Valor?

A few of our competitive advantages are that we are a local lender that understands this market, we offer low rates, and we have underwriting in-house, which means we can provide pre-approvals and close loans fast. But our biggest advantage is our vast and unique product suite. We offer loans like one-time close construction, land loans, bridge loans, DSCR loans, reverse mortgages, doctor loans, asset depletion loans, and many more.

Two of our most popular offerings, however, are our Equity Builder and All In One Loan options, which you can learn more about below. Now, not everyone may qualify for them right now, but everyone absolutely needs to know about them.

The Equity Builder & All In One Loan:

Welcome to the future of mortgage!

Do you remember when we used a physical map to travel?

That is what a conventional 30-year fixed mortgage is compared to the Equity Builder and All In One. A conventional 30 year fixed is the physical map, and the Equity Builder and All In One is the GPS/Smartphone.

Both will get you where you want to go, but one will do it smarter and faster.

WHAT IS THE EQUITY BUILDER AND ALL IN ONE?

Both programs are 1st Position Home Equity Lines of Credit (HELOC), but function very different than traditional financing. Instead of interest being calculated monthly, like traditional financing, interest is calculated DAILY with the Equity Builder and All In One. This function has the potential to save you tens, if not hundreds, of thousands of dollars in interest over the life of the loan compared to traditional financing.

An additional benefit of the Equity Builder and All In One is that your mortgage and checking are combined and work together. When you understand this, you will think, “why haven’t we always done that?”

In traditional financing, you have a mortgage costing you 5 to 7%. You have a savings account earning you .5 to 2%. It’s your rainy-day fund you have “just in case”. In that scenario, the banks win because they have loaned you money at a higher rate than they have borrowed your money. But with the Equity Builder and All In One, you win! Your mortgage, or Line of Credit, is combined with your checking and savings, and you only pay interest on the balance.

For example, you have a $500,000 mortgage at 6% with P&I payment of $2997. In year 1, an average of $2486 goes to interest. You also have a savings account with $50,000 in it, earning you 1% a year, or $500 a year. With the Equity Builder or All In One, we combine the two and you would only pay interest on $450,000, saving you over $211 per month. That is approximately $2500 a year vs $500, a net gain of $2000!

And here’s the beauty of the Equity Builder and All In One…you have access to your equity for 30 years! Your mortgage is your SMART rainy-day fund!