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Valhalla Capital

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With our interest accrual extermination method, we offer low mortgage rate residential real estate and commercial loans at the best mortgage rate terms available. Get the lowest interest rate with the lowest mortgage payment and eradicate hundreds of thousands if not millions in accrued interest on your mortgage or commercial loan!!!

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Click Apply Now above to apply online for a commercial loan!!!

We now offer commercial stated income/stated asset, lite doc, full doc, and Small Business Association (SBA) loans and more.

 

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 Our Loan Products 

We have a large number of unique Residential and Commercial Mortgage Loan programs to serve your needs:

  • Fixed, Interest Only (IO), and Adjustable Rate Mortage (ARM) available
  • Conforming, Jumbo, and Super Jumbo Mortgages available
  • Alternative "A" Paper (Alt-A), and Subprime Mortgages available
  • FHA and VA Mortgage Loans 
  • Purchase a house with little or 0 down
  • No PMI payments even at 90% LTV 
  • Debt consolidation programs
  • Home Improvement loans
  • Accelerated (bi-weekly or semi-monthly) option mortgages
  • Reverse Mortgages
  • Jumbo FHA Mortgages
  • Stated income, stated asset mortgages 
  • No income, no asset verification mortgages
  • FICO scores as low as 580
  • Commercial Mortgages
  • Stated Income/Stated Asset Commercial Mortgages
  • Small Business Administration (SBA) Loans
  • Small Business Cash Advances
  • Place of Worship Loans 
  • Qualify even if you may have been turned down before!
  • Construction Loans

 

 

 
Conforming 30 Yeard Fixed
Conforming 40 Yeard Fixed
Conforming 25 Yeard Fixed
Conforming 20 Yeard Fixed
Conforming 15 Yeard Fixed
Conforming 10 Yeard Fixed
Conforming 30 Yeard Fixed IO
Conforming 10/1 ARM
Conforming 7/1 ARM
Conforming 5/1 ARM
Conforming 3/1 ARM
Conforming 7/1 ARM IO
Conforming 5/1 ARM IO
Conforming 3/1 ARM IO
FHA 30 Year Fixed
FHA 15 Year Fixed
FHA 5/1 ARM
FHA 3/1 ARM
VA 30 Year Fixed
VA 15 Year Fixed
VA 5/1 ARM
VA 3/1 ARM
Jumbo FHA 30 Yeard Fixed
Jumbo 30 Yeard Fixed
Jumbo 15 Yeard Fixed
Jumbo 3/1 ARM
Super Jumbo Mortgages
Reverse Mortgages
Commercial Mortgages (Full Doc)
Commercial Mortgages (Lite Doc)
Commercial Mortgages (Stated Income/Stated Asset)
Small Business Administration (SBA) Loans
Commercial Cash Advance

Rates last updated on Saturday, October 11, 2008

Conforming 30 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 30 Year Fixed Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.625%0.75%5.749%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 40 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 40 Year Fixed Rate Mortgage today!!!

Term: 40 years  
RatesPointsAPR
5.75%0.75%5.856%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 25 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 25 Year Fixed Rate Mortgage today!!!

Term: 25 years  
RatesPointsAPR
5.625%0.75%5.766%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 20 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 20 Year Fixed Rate Mortgage today!!!

Term: 20 years  
RatesPointsAPR
5.5%0.75%5.666%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 15 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 15 Year Fixed Rate Mortgage today!!!

Term: 15 years  
RatesPointsAPR
5.25%0.75%5.458%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 10 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 10 Year Fixed Rate Mortgage today!!!

Term: 10 years  
RatesPointsAPR
5.125%0.75%5.421%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 30 Yeard Fixed IO

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 70% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 30 Year Fixed Rate Mortgage (Interest Only for the 1st 10 Years) today!!!

Term: 30 years  
RatesPointsAPR
6.125%0.75%6.253%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 10/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 10/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
6.25%0.75%6.379%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 7/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 7/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.75%0.75%5.875%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 5/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 5/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.25%0.75%5.372%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 3/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 3/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.125%0.75%5.246%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 7/1 ARM IO

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 70% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 7/1 Adjustable Rate Mortgage (Interest Only for the 1st 10 Years) today!!!

Term: 30 years  
RatesPointsAPR
6%0.75%6.127%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 5/1 ARM IO

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 70% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 5/1 Adjustable Rate Mortgage (Interest Only for the 1st 10 Years) today!!!

Term: 30 years  
RatesPointsAPR
5.5%0.75%5.623%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Conforming 3/1 ARM IO

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 70% or less with good credit.

Click "APPLY NOW!" above to apply on line for a 3/1 Adjustable Rate Mortgage (Interest Only for the 1st 10 Years) today!!!



Term: 30 years  
RatesPointsAPR
5.375%0.75%5.497%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


FHA 30 Year Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 97.15% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Federal Housing Authority 30 Year Fixed Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.5%0.75%5.623%
 

Click Here to determine what the maximum FHA loan amount is in your area.


FHA 15 Year Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 97.15% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Federal Housing Authority 15 Year Fixed Rate Mortgage today!!!

Term: 15 years  
RatesPointsAPR
5.25%0.75%5.458%
 

Click Here to determine what the maximum FHA loan amount is in your area.


FHA 5/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 97.15% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Federal Housing Authority 5/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.375%0.75%5.497%
 

Click Here to determine what the maximum FHA loan amount is in your area.


FHA 3/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 97.15% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Federal Housing Authority 3/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.25%0.75%5.372%
 

Click Here to determine what the maximum FHA loan amount is in your area.


VA 30 Year Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 100% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Veterans Affairs 30 Year Fixed Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.625%0.75%5.749%
 

Taking cash out, and/or lower credit scores can result in higher rates and lower loan to value maxims.


VA 15 Year Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 100% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Veterans Affairs 15 Year Fixed Rate Mortgage today!!!

Term: 15 years  
RatesPointsAPR
5.25%0.75%5.458%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


VA 5/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 100% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Veterans Affairs 5/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.375%0.75%5.497%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


VA 3/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 100% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Veterans Affairs 3/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
5.25%0.75%5.372%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Jumbo FHA 30 Yeard Fixed

Loan Amounts from $362,790 - $729,750.  Rate based on loan to value (the loan amount divided by the appraised value of the home) of 97.75% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Jumbo Federal Housing Authority 30 Year Fixed Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
6%0.75%6.127%
 

Taking cash out, and/or lower credit scores can result in higher rates and lower loan to value maxims.


Jumbo 30 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Jumbo 30 Year Fixed Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
7.375%0.75%7.479%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Jumbo 15 Yeard Fixed

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Jumbo 15 Year Fixed Rate Mortgage today!!!

Term: 15 years  
RatesPointsAPR
7%0.75%7.219%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Jumbo 3/1 ARM

Rate based on loan to value (the loan amount divided by the appraised value of the home) of 80% or less with good credit.

Click "APPLY NOW!" above to apply on line for a Jumbo 3/1 Adjustable Rate Mortgage today!!!

Term: 30 years  
RatesPointsAPR
6.5%0.75%6.631%
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.


Super Jumbo Mortgages

For Residential Property purchases and refinancing (including cash out).  Loan amounts from $950,000 to $2,000,000.  Fixed and Adjustable rates available.  Loan to Values (the loan amount divided by the value of the home) up to 80%. 

Click "APPLY NOW!" above to apply on line for a Super Jumbo Loan today!!!



Term: 30 years   Maximum Amount: $2,000,000
 

Higher loan to values, taking cash out, and/or lower credit scores can result in higher rates.

Click "APPLY NOW!" above to apply on line for a Super Jumbo Loan today!!!


Reverse Mortgages

A reverse mortgage is a loan that enables senior homeowners, age 62 and older, to convert part of their home equity into tax-free* income—without having to sell their home, give up title to it, or make monthly mortgage payments. The loan becomes due when the last borrower (s) permanently leaves the home.

Click "APPLY NOW!" above to apply on line for a Reverse Mortgage today!!!

Term: 30 years  
 

Click Here to determine your maximum borrowing limit and more.

Click "APPLY NOW!" above to apply on line for a Reverse Mortgage today!!!


Commercial Mortgages (Full Doc)

For Commercial Property purchases and refinancing (including cash out).  Loan amounts from $100,000 to $100,000,000.  Secured on commercial properties like multifamily, mixed use, warehouse, office, retail, light industrial, automotive, restaurants, places of worship, special use and more.  Several affordable payment options with 15 - 30 year amortization.  1 - 30 Year Fixed Terms with 15 - 30 Year Amortization.  Credit scores down to 620 accepted.  Loan to Values (LTV) up to 80%:  Combined Loan to Value (CLTV) up to 90% (10% down) with seller/subordinate financing. 

Click "APPLY NOW!" above to apply on line for a Full Documentation Commercial Loan today!!!


 

Full Documentation Commercial Loans! Available for commercial or non-profit entities that own commercial property, or wish to purchase commercial property that can document income with two years tax returns (including all schedules) and audited financial statements.  If your looking for the opportunity to expand your business, the full documentation commercial loan could be the solution for you!!!

Click "APPLY NOW!" above to apply on line for a Full Documentation Commercial Loan today!!!


Commercial Mortgages (Lite Doc)

For Commercial Property purchases and refinancing (including cash out).  Loan amounts from $100,000 to $3,000,000.  Secured on commercial properties like multifamily, mixed use, warehouse, office, retail, light industrial, automotive, restaurants, special use and more.  Several affordable payment options with 15 - 30 year amortization.  1 - 30 Year Fixed Terms with 15 - 30 Year Amortization.  Credit scores down to 600 accepted.  Loan to Values (LTV) up to 80%:  Combined Loan to Value (CLTV) up to 90% (10% down) with seller/subordinate financing. 

Click "APPLY NOW!" above to apply on line for a Lite Documentation Commercial Loan today!!!


Maximum Amount: $3,000,000
 

Lite Documentation Commercial Loans! Available for small business owners who own commercial property, or wish to purchase commercial property who can document their income with two years tax returns (including all schedules) and profit and loss financial statements.  If your looking for the opportunity to expand your small business, the lite documentation commercial loan could be the solution for you!!!

Click "APPLY NOW!" above to apply on line for a Lite Documentation Commercial Loan today!!!


Commercial Mortgages (Stated Income/Stated Asset)

For Commercial Property purchases and refinancing (including cash out).  Loan amounts from $100,000 to $1,000,000.  Secured on commercial properties like multifamily, mixed use, warehouse, office, retail, light industrial, automotive, special use and more.  Several affordable payment options with 15 - 30 year amortization.  1 - 5 Year Fixed Terms with 15 - 30 Year Amortization.  Credit scores down to 620 accepted.  Loan to Values (LTV) up to 80%:  Combined Loan to Value (CLTV) up to 95% (5% down) with seller/subordinate financing.

  Click "APPLY NOW!" above to apply on line for a Stated Income/Asset Commercial Loan today!!!


 

Stated Income/Asset Commercial Loans!  Available for small business owners who own commercial property, or wish to purchase commercial property.  No income documentation required!!!  If your looking for the opportunity to expand your small business, the stated income/stated asset (SISA) commercial loan could be the solution for you!!!

Click "APPLY NOW!" above to apply on line for a Stated Income/Asset Commercial Loan today!!!


Small Business Administration (SBA) Loans

SBA Real Estate Loans from $200,000 - $5,000,000 to purchase or refinance commercial real estate. Terms up to 25 years with fixed and variable rates available. 

SBA Business Acquisition Loans for intangible asset acquisitions.  Loan amounts from $250,000 - $2,000,000 with up to 90% loan to value financing.  Terms up to 25 years with fixed and variable rates available.

SBA Franchise Financing to start up a franchise in a new location; or, acquire, refinance, or re-brand and existing franchise.  Loan amounts from $150,000 - $3,000,000 with up to 90% loan to value financing.  Terms up to 25 years with with real estate collateral (or 10 years without real estate collateral) fixed and variable rates available.

SBA Practice Financing for licensed professionals including Doctors, Dentists, Veterinarians, Optometrists, CPA's, Lawyers, Architects and Engineers.  For professional practice start up, acquisition, expansion or buy out; or, commercial real estate purchase.  Loan amounts from $50,000 - $3,000,000 with up to 100% loan to value financing.  Terms up to 25 years with with real estate collateral (or 10 years without real estate collateral) fixed and variable rates available.

 

Small Business Administration (SBA) Loans!  Available for small business owners who wish to expand their business!!!  In order to attain an SBA loan, the business owner(s)are required to document their income with two years tax returns (including all schedules) and profit and loss financial statements.  If your looking for the opportunity to expand your small business, the small business administration (SBA) loan could be the solution for you!!!

Click "APPLY NOW!" above to apply on line for a Small Business Administration (SBA) Loan today!!!


Commercial Cash Advance

For small business merchants who accept credit cards.  An average of $5,000 a month is credit card receipts is required.  Cash advance amounts from $50,000 to $500,000.  Three - seven day fundings with minimal stipulations.

Click "APPLY NOW!" above to apply on line for a Small Business Cash Advance today!!!

 

Small Business Cash Advances!  This program is an advance, NOT a loan.  Credit scores down to 500 accepted.  Any business that collects $5,000 a month in credit card receipts is eligible. 

Click "APPLY NOW!" above to apply on line for a Small Business Cash Advance today!!!



These rates and terms are not available in all States and areas, and points and programs are subject to change without notice and cannot be guaranteed.


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $2,500. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $950,000 with closing costs of $2,500. Your actual APR may be different depending upon these factors.

Interest Extermination and More!!!

We now offer an outside source to set up your mortgage or commercial loan with our interest extermination program.