Effective Date: June 15, 2025
Agreement to Terms
By accessing or using the Valor Home Lending website located at valorhomelending.net (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use this Site. These Terms apply to all visitors, users, and others who access or use the Site.
Valor Home Lending LLC is a licensed independent mortgage brokerage in the State of Texas. We are not a direct lender. All loan products are arranged through third-party wholesale lenders and are subject to credit approval, underwriting review, program guidelines, and property qualification.
Use of This Site
This Site is intended for informational purposes only. The content provided does not constitute financial, legal, or investment advice. You agree to use this Site only for lawful purposes and in a manner consistent with all applicable local, state, and federal laws and regulations.
You agree not to:
- Reproduce, duplicate, or copy any part of this Site without express written permission
- Use this Site in any way that may impair its performance or availability
- Use this Site to transmit unsolicited commercial communications
- Attempt to gain unauthorized access to any part of the Site or its related systems
Not a Commitment to Lend
Nothing on this Site constitutes a commitment or offer to make a loan. All loan programs, rates, terms, and conditions are subject to change without notice. Not all applicants will qualify. Pre-approval turnaround times may vary based on borrower circumstances and documentation provided.
Calculator tools and rate estimates provided on this Site are for illustrative purposes only and do not represent an actual loan offer or rate quote. Contact Valor Home Lending directly for a personalized assessment.
Loan Program Disclosures
VA loans are subject to VA eligibility requirements and applicable federal guidelines. Zero down payment options are available only to qualified veterans, active-duty service members, and eligible surviving spouses. 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 or geographic areas.
Third-Party Links
This Site may contain links to third-party websites including ARIVE, Calendly, NMLS Consumer Access, and others. These links are provided for your convenience only. Valor Home Lending has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.
Intellectual Property
All content on this Site — including but not limited to text, graphics, logos, images, and software — is the property of Valor Home Lending LLC or its content suppliers and is protected by applicable intellectual property laws. Unauthorized use of any materials on this Site is strictly prohibited.
Disclaimer of Warranties
This Site is provided on an "as is" and "as available" basis. Valor Home Lending makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, suitability, or availability of the Site or the information contained on it. Any reliance you place on such information is strictly at your own risk.
Limitation of Liability
To the fullest extent permitted by law, Valor Home Lending LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site or its content.
Texas Regulatory Information
Valor Home Lending LLC is licensed by the Texas Department of Savings and Mortgage Lending. Nancy Pacheco, Mortgage Broker, NMLS #820800. Company NMLS #2616282.
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.
Changes to These Terms
Valor Home Lending reserves the right to modify these Terms at any time. Changes will be effective immediately upon posting to this Site. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Bell County, Texas.
Effective Date: June 15, 2025
Our Commitment to Your Privacy
Valor Home Lending LLC ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or submit a loan application through our portal.
We do not sell, rent, or trade your personal information to third parties for their marketing purposes. Information you provide is used solely to process your mortgage inquiry and fulfill our service obligations to you.
Information We Collect
We may collect the following categories of information:
- Personal Identifiers: Name, address, email address, phone number, date of birth, Social Security number
- Financial Information: Income, employment history, assets, debts, and credit information necessary to process a loan application
- Property Information: Address, estimated value, and details of the property being financed
- Usage Data: Pages visited, time spent on the Site, browser type, IP address, and referral source — collected automatically via cookies and similar technologies
- Communication Records: Emails, form submissions, and other communications you send to us
How We Use Your Information
We use the information we collect to:
- Process and evaluate your mortgage loan application
- Communicate with you about your loan status and next steps
- Comply with federal and state regulatory requirements
- Send appointment reminders and follow-up communications
- Improve our website and service offerings
- Respond to your inquiries and provide customer support
Information Sharing & Disclosure
We may share your information with:
- Wholesale Lenders: Third-party lenders through whom your loan is arranged and processed
- Service Providers: Companies that assist with loan origination, document management, and compliance functions, bound by confidentiality agreements
- Regulatory Authorities: Government agencies and regulators as required by law, including the Texas Department of Savings and Mortgage Lending
- Credit Reporting Agencies: As necessary to process your loan application
We do not sell your personal information to third-party marketers or data brokers.
Cookies & Tracking Technologies
Our Site may use cookies and similar tracking technologies to enhance your browsing experience, analyze Site traffic, and understand how visitors use our Site. You can control cookie settings through your browser preferences. Disabling certain cookies may affect the functionality of some features on this Site.
Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Your Rights
Depending on applicable law, you may have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your personal information, subject to legal retention requirements
- Opt out of certain communications from us
To exercise any of these rights, please contact us using the information below.
Retention of Information
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with applicable legal, regulatory, and business requirements. Mortgage-related records may be retained for a minimum of three years or as required by Texas and federal law.
Children's Privacy
This Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete such information.
Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically to stay informed about how we protect your information.
