VA Loans
Explore home financing designed for eligible veterans, service members, and qualifying surviving spouses.
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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.
Nancy Pacheco, Mortgage Broker | NMLS #820800
Valor Home Lending LLC | Company NMLS #2616282
Equal Housing Lender
WHY CHOOSE VALOR
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.
FHA Loans
Explore FHA home financing and learn what to consider as you prepare for your next home purchase.
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Conventional Loans
Explore conventional mortgage options and discuss how they may fit your homebuying plans.
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USDA Loans
Explore USDA home financing and learn about borrower and property eligibility.
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DSCR / Investor Loans
Planning a rental property purchase? Explore DSCR financing for your investment goals.
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Refinance
Review your current mortgage and explore refinance options with your next financial goal in mind.
Learn MoreNot sure where to start?
Let’s talk through your goals and help you understand your next step.
MORTGAGE CALCULATOR
Map Your Future
Experiment with down payments, interest rates, and loan terms to chart a clear, confident path toward your new home.
Mortgage Calculator
Plan Your Payment.
Explore Your Possibilities.
Get an estimated monthly payment based on your home price, down payment, and loan details. Adjust the numbers to explore what fits your plans.
Calculate My PaymentEstimates are for planning purposes and do not represent a rate quote or loan approval.
See What Goes Into Your Payment.
- Home price and down payment
- Interest rate and loan term
- Property taxes and insurance
- Estimated monthly breakdown
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 Team
Meet the Pachecos
A husband and wife team helping Texas families, veterans, and investors take their next step with confidence.
Nancy Pacheco
Founder · Mortgage Broker · VA Loan Educator
Nancy brings personal guidance to the mortgage process, helping buyers understand their options and move forward with a clear plan.
NMLS #820800
Ricardo Pacheco
Retired Army Veteran · Business Development
Ricardo supports clients and referral partners with communication and follow-through, bringing a service-first approach to the Valor experience.
NMLS #2566743
Client Experiences
A Legacy Of Trust
What our clients say about us
BW
B. Washington
★★★★★
Buying my first home was something I went into with absolutely no knowledge, and I was honestly nervous about the whole process. But from the very beginning to the very end, I felt completely supported and guided every step of the way.
3 months ago
AR
Alexis Ribot
★★★★★
We had an outstanding experience working with Ms. Nancy. She went above and beyond for us in, working on the weekends and even holidays, to help us close on our home in a tight timeframe. Her communication was excellent throughout the entire process: clear, responsive, and always keeping us informed every step of the way.
6 months ago
e
erik kidwell
★★★★★
Nancy was amazing to work with. She was super responsive, easy to talk to, and made the whole refinance process way less stressful than I expected. She explained everything clearly and always made sure we were comfortable with each step. Highly recommend working with her if you want someone knowledgeable who truly cares about her clients.
7 months ago
RL
Ronald Lee
★★★★★
My wife and weren't completely sure of what we were getting ourselves into. We had lots of questions and concerns. Nancy was absolutely amazing in helping our family secure our first home. She's such a sweet soul. Knowledgeable, patient, and I can't begin to explain just how excellent her communication was. Her reassurance was always there even when we didn't realize we needed it.
a year ago
DS
Danielle Schwartz
★★★★★
Nancy was beyond knowledgeable about the home mortgage process. She had such a friendly yet very professional demeanor, that it made working with her very pleasant. She was also thorough, easy to work with, and offered some great insights through our buying process. Her experience with military families using the VA loan was invaluable. I truly would recommend her as the number one person to contact for your mortgage process.
a year ago