Let's Talk About Your Home Goals

Step into a tailored financing experience. Our dedicated advisors provide a private, white-glove consultation to map out the exact path for your unique wealth and homeownership goals.Whether you're buying your first home, using your VA benefits, refinancing, or investing in real estate, Nancy provides personalized mortgage guidance to help you understand your options and move forward with confidence.

VA Loans
FHA Approved
Military Valor
Investor Ready
VA Loans
FHA Approved
Military Valor
Investor Ready

The Valor Way Home

Bilingual mortgage guidance for veterans, military families, first-time homebuyers, homeowners, and real estate investors throughout Texas.

Nancy Pacheco, Mortgage Broker | NMLS #820800
Valor Home Lending LLC | Company NMLS #2616282
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Equal Housing Lender
Licensed in Texas
Equal Housing Lender

Contact Info

☎ 512-955-8801 ext. 1000
✉ [email protected]
⌖ 222 E Ave C
Killeen, TX 76541
Disclosures & Legal Notices ⌄
Valor Home Lending LLC is a licensed independent mortgage brokerage in the State of Texas. Nancy Pacheco, Mortgage Broker | NMLS #820800. Valor Home Lending LLC | Company NMLS #2616282. Licensed by the Texas Department of Savings and Mortgage Lending. Valor Home Lending is not a direct lender. All loans are arranged through third-party wholesale lenders.

This is not a commitment to lend. All loans are subject to credit approval, underwriting review, program guidelines, and property qualification. Interest rates, loan programs, and terms are subject to change without notice. Not all applicants will qualify.

Valor Home Lending LLC is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, handicap, familial status, or source of income, in accordance with the Equal Credit Opportunity Act and the Fair Housing Act.

Pre-approval turnaround times may vary based on borrower circumstances and documentation provided. Not all applicants will qualify for 24-hour pre-approvals. VA loans are subject to VA eligibility requirements and federal guidelines. Zero down payment options are available to qualified veterans and active-duty service members only. FHA, Conventional, DSCR, and other loan programs are subject to individual lender guidelines, borrower eligibility, and property qualification. Not all programs are available in all situations. Calculator results are estimates only and do not constitute a loan offer or rate quote. Actual rates and payments will vary. Contact us for a personalized assessment.

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department's website at www.sml.texas.gov . A toll-free consumer hotline is available at 1-877-276-5550. The Department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department's website at www.sml.texas.gov .
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