The Valor Way To
Homeownership
Personalized mortgage guidance for first time homebuyers, veterans, homeowners, and investors. Work directly with Nancy Pacheco and Ricardo Pacheco to explore financing solutions built around your goals.
Why Homebuyers Choose Valor
VA Expertise
Guidance for veterans, active-duty service members, and military families.
Personal Guidance
Work directly with Nancy and Ricardo from application to closing.
Bilingual Service
English and Spanish support throughout the entire mortgage process.
Investor Solutions
DSCR and investment loan options for real estate investors.
We Have a Loan for Every Buyer
VA, FHA, Conventional, DSCR, USDA, and more - tell us your situation and well find the right fit.
VA loans are one of the strongest home financing options available for eligible service members, veterans, and military families. They may offer no down payment, no private mortgage insurance, and flexible qualification options.
Why It Helps
VA loans can reduce upfront costs and monthly expenses, making homeownership more accessible for military families.
Best For
Eligible veterans, active-duty service members, National Guard, Reserve members, and qualifying spouses.
Key Benefits
0% down when eligible, no PMI, competitive rates, and the benefit may be reused more than once.
FHA loans are designed to make homeownership more reachable for buyers who need flexible credit options or a lower down payment path.
Why It Helps
FHA loans can make it easier to qualify compared to some traditional loan options.
Best For
First-time buyers, renters ready to purchase, and buyers rebuilding credit.
Key Benefits
Lower down payment options, flexible credit guidelines, and gift funds may be allowed.
Conventional loans are traditional mortgage options that may offer competitive rates, flexible terms, and strong long-term value for qualified buyers.
Why It Helps
They may offer lower long-term costs for buyers with solid credit and stable income.
Best For
Buyers with stronger credit, repeat buyers, and clients purchasing primary, second, or investment homes.
Key Benefits
Flexible terms, no upfront government funding fee, and PMI may be removed once equity requirements are met.
USDA loans help eligible buyers purchase homes in qualifying rural and suburban areas with affordable financing options.
Why It Helps
Designed to make homeownership more affordable in qualifying communities.
Best For
Buyers looking in eligible rural and suburban locations.
Key Benefits
Low money out of pocket, competitive financing, and government-backed support.
DSCR loans are built for real estate investors and qualify based on the rental income of the property instead of traditional personal income documentation.
Why It Helps
Investors can qualify based on the property’s cash flow rather than W-2 income.
Best For
Rental property buyers, portfolio investors, LLC borrowers, and short-term rental investors.
Key Benefits
No W-2 income review in many cases, rental income based qualification, and scalable investor financing.
Refinancing can help you lower your monthly mortgage payment, reduce your interest rate, shorten your loan term, or access your home’s equity for important financial goals.
Why It Helps
Many homeowners refinance to save money, eliminate high-interest debt, or improve their overall financial position.
Best For
Homeowners looking to lower payments, remove mortgage insurance, consolidate debt, or access equity.
Popular Options
Rate-and-term refinance, cash-out refinance, VA IRRRL, FHA streamline, and conventional refinance options.
MORTGAGE CALCULATOR
Map Your Future
Experiment with down payments, interest rates, and loan terms to chart a clear, confident path toward your new home.
Select Loan Type
Loan Information
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DISCLAIMER: Calculations are for informational purposes only and are not an indication of loan qualification, approval, or commitment to lend. Calculations do not display APR. Contact your Loan Officer for accurate figures and a written Loan Estimate.
THE VALOR TIMELINE
The Path To Your Keys
Navigating the journey to homeownership should be a moment of anticipation, not anxiety. Our military-grade precision and personalized approach ensure that every milestone is clear, structured, and entirely focused on securing your legacy.
Discovery
We begin by understanding your goals, timeline, and financial picture so we can build a mortgage strategy tailored to you.
Pre-Approval
We review your information, discuss available programs, and help you understand what you may qualify for.
Loan Approval
We guide your file through processing and underwriting while keeping you informed every step of the way.
Closing
We help you move confidently through closing until the day you receive the keys to your new home.
Meet The Pachecos
A husband and wife mortgage team committed to helping Texas families, veterans, and investors move forward with confidence.
Nancy Pacheco
Valor Home Lending LLC | Company NMLS #2616282
Nancy founded Valor Home Lending on a single conviction: that every family — veteran or civilian, English-speaking or Spanish-speaking — deserves a mortgage advisor who shows up for them like it's personal. Because for her, it always has been.
As a certified VA Loan Educator and independent mortgage broker licensed in Texas, Nancy shops across multiple lenders to find the best product for each unique client. Not a one-size-fits-all program.
Schedule With Nancy
Ricardo Pacheco
NMLS #2566743 | Company NMLS #2616282
Ricardo is a veteran and a key part of Valor Home Lending's client experience. He supports families, veterans, referral partners, and real estate agents with communication, follow-up, and guidance throughout the lending process.
Partner With Valor
Reliable communication, strong pre-approvals, and a lending team that helps protect your transaction from contract to closing.
Built for Agents Who Need a Lending Partner They Can Trust.
When your client chooses Valor Home Lending, they get more than a pre-approval letter. They get direct communication, clear expectations, and a team focused on protecting the relationship you worked hard to build.
Fast Communication
Clear updates so agents and clients are never left guessing.
Strong Pre-Approvals
Helping buyers understand their numbers before they shop.
Closing Focused
A team committed to getting the file to the finish line.
What Agents Can Expect
Client Experiences
A Legacy Of Trust
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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.