I am thrilled to join the Valor Team as we offer phenomenal loan programs, supporting your every desire for real property financing.Valor offers every loan in the book!Loan Programs We offer every loan in the book including: Stated Income Loans Hard Money Loans to $10mm Construction Loans (including Spec homes) up to $100mm Commercial Loans to $100mm Foreign National’s (no SS# or credit required) 10% Down Jumbo’s to $2.5mm Second… Show more I am thrilled to join the Valor Team as we offer phenomenal loan programs, supporting your every desire for real property financing.Valor offers every loan in the book!Loan Programs We offer every loan in the book including: Stated Income Loans Hard Money Loans to $10mm Construction Loans (including Spec homes) up to $100mm Commercial Loans to $100mm Foreign National’s (no SS# or credit required) 10% Down Jumbo’s to $2.5mm Second Position loans up to $5mm 10,15,20 & 30-year Fixed, Conventional Conforming Loans (under $417k) Super Conforming Loans (from$417k-$625) Jumbo’s to $10mm (Prime rates) FHA, VA, USDA Raw Land Loans to $10mm Interest only Loans and ARM’s Reverse Mortgages to $10mmExceptional Service:Purchase Loans  We know that your purchase loan requires a quick turnaround. Therefore, our professional commitment to you is this:  Your purchase loan is always our priority.  We make sure that your loan receives prompt attention.  We guarantee timely responses and full communication throughout the loan process.  We will work around your escrow time frame to ensure a smooth and timely closing.  We are proactive in that we will identify any potential problems and correct them early on.  We provide exceptional service and are happy to pick up or deliver documents.  We are an Equal Housing Lender. I Available to help you!You can apply on-line with Valor Lending! I am available for any questions regarding our vast array of loan programs! and will assist you in qualifying, applying, and selecting the best loan for you.Janice LilesBusiness Development ManagerValor Lending GroupCA BRE Pending Transfer #01022277NMLS #1668964 NMLS BRE: Pending transfer from CA-DBO'Pride in Lending'Petco ParkDiamond View Tower350 10th Ave. 10th FloorSan Diego, CA 92101 Cell: (858) 442-1854Office: (619) 344-2640Fax: (619) 872-2400Email: jliles@valorlending.com Show less

• Provide therapeutic interventions to reduce symptoms for severely emotionally disturbed children exposed to trauma • Assess clients, create effective treatment plans, and submit plans to Child Welfare Services (CWS), TERM/Optum, and the Victim Compensation and Government Claims Board • Provide individual psychotherapy

• Meet with clients at program to assess strengths and prioritize individual needs and behavior modification goals • Create a system of care, consult with client, schedule and guide and document Team Meetings with parole agent and primary counselor to support growth and progress

Temporary - Community Services Coordinator, October 2013 – June 2014• Recruited to assist quality control in closing the Substance Abuse Coordinating Services Agency

Owner-Broker - ManagerJanice was approved by Fannie Mae Desktop Underwriter to submit directly to Fannie Mae and receive direct approval for borrowers. I was also approved by the Veteran Administration to submit directly for loan approval. I was also approved as a Cal-Vet and CalPERS Broker. During the many years in business I grew my client base and enjoyed repeat and referral business. My buyers and borrowers felt confident in my ability to fund their loans.