Valor Home Lending · Loan Programs
A Home Loan That Fits Your Next Move.
Buying your first home, investing, or refinancing? Explore your options with clear guidance from Valor Home Lending.
Explore Our Loan Programs
Select a program to see who it’s for and what to consider.
VA Loans
Veterans · Active Duty · Qualifying Surviving Spouses
Explore how your military service may support your homebuying plans. Valor helps you understand your VA loan options and the steps involved.
Who It’s For
Eligible veterans, active-duty service members, National Guard and Reserve members, and qualifying surviving spouses.
What We’ll Review
Your service eligibility, Certificate of Eligibility, homebuying goals, and financing needs.
What to Know
We’ll explain eligibility, available benefits, closing costs, and any applicable funding fee before you move forward.
Personal guidance: Work with Nancy Pacheco to understand your options and ask questions about using your VA benefit.
FHA Loans
Homebuyers · Purchase Financing
Explore FHA financing as part of your homebuying plan. We’ll help you understand the requirements and compare the full cost with your other options.
Who It’s For
Buyers exploring FHA financing for their next primary residence, including first-time buyers.
What We’ll Review
Your credit, income, savings, down payment plans, and property goals.
What to Know
Discuss mortgage insurance, closing costs, and your estimated total monthly payment.
Conventional Loans
First-Time Buyers · Repeat Buyers · Property Goals
Explore conventional mortgage options with your budget and long-term plans in mind. We’ll help you compare terms and understand the costs.
Who It’s For
Buyers considering conventional financing for a primary home, second home, or investment property.
What We’ll Review
Your credit, income, down payment, property type, and preferred loan term.
What to Know
We’ll discuss mortgage insurance where applicable and compare upfront and ongoing costs.
USDA Loans
Eligible Locations · Home Purchase Options
Considering a home in a USDA-eligible area? Start by reviewing the location and your household eligibility with Valor.
Who It’s For
Homebuyers exploring USDA financing in qualifying communities.
What We’ll Review
The property’s location, household income, and your overall financing needs.
What to Know
Borrower and property eligibility both matter. We’ll also review applicable fees and closing costs.
DSCR / Investor Loans
Rental Properties · Real Estate Investors
Explore financing for your next rental property. Valor can help you review the property’s numbers and discuss available DSCR options.
Who It’s For
Real estate investors exploring financing for an income-producing property.
What We’ll Review
Rental income, property expenses, financing costs, and your investment goals.
What to Know
Discuss down payment, reserves, property eligibility, and any prepayment terms for the available program.
Start with the numbers: Bring the property details and available rental information to your discovery call.
Refinance
Current Homeowners · New Financial Goals
Your goals may have changed since you bought your home. Review your current mortgage with Valor and explore whether a refinance fits your plans.
Who It’s For
Homeowners considering a different loan term, payment structure, or access to home equity.
What We’ll Review
Your current balance, rate, remaining term, estimated equity, and reasons for refinancing.
What to Know
Compare closing costs, total interest, and how long you expect to keep the loan alongside the monthly payment.
Your goals come first: Review the costs and potential benefits before deciding whether refinancing makes sense.
Your Next Step, Made Simple.
Tell Us Your Goals
Share what you’re planning and the questions you want answered.
Review Your Options
Understand the programs, costs, and requirements relevant to your situation.
Start Your Application
Complete your application through our secure portal when you’re ready.
Questions? Start Here.
How do I know which loan to choose?
Start with your goals, budget, and timeline. During your discovery call, we can discuss your situation and explain which options are worth exploring.
What should I prepare?
Have an overview of your income, savings, debts, and homebuying plans ready. Your loan officer will explain which documents are needed for your application. Submit sensitive documents through the secure process provided by your loan officer.
Can we talk before I apply?
Yes. Schedule a discovery call to ask questions and discuss your plans before starting your application.
What happens after I apply?
Your loan officer will review your application, explain any additional information needed, and walk you through the next steps.
Let’s Find Your Path Home.
Get clear answers and a next step that fits your goals.
Loan availability, terms, and eligibility vary by program. All loans are subject to application, underwriting, and approval. Submitting an application does not guarantee approval.