"A Mortgage Company That Actually Took the Time to Understand Us After more than 11 years of trying to buy a home, we had almost started to believe that homeownership simply was not going to happen for us. As self employed, blue collar working people, our financial situation did not always fit neatly into the traditional mortgage process. We had spoken with other lenders over the years, but often felt like we were being judged by numbers on a page rather than having someone actually take the time to understand our income, our work, and our circumstances. Then we found Valor Mortgage. What made the difference was that Valor actually listened. They took the time to understand how we earn our living, how self employment works, and why our financial picture looked different from that of someone with a traditional salaried job. Instead of immediately writing us off because we did not fit the standard mold, they worked with us and helped us find a path forward. After 11 years of trying, we finally became homeowners. That is something our family will never forget. I especially want to recommend Valor to other self employed people, tradesmen, blue collar workers, small business owners, contractors, and anyone else who has ever felt like traditional mortgage companies simply did not understand their situation. If you have been turned away elsewhere or feel like you are being judged before anyone really looks at the full picture, I would strongly encourage you to talk to Valor. They did not just see a set of numbers. They took the time to see the people behind them. For our family, that made all the difference. We are incredibly grateful to Valor Mortgage for helping us accomplish something we had been trying to do for more than a decade."

"I have never thought, I would have my own house. But the helped of GOD and Rick , Officially, I am a homeowner now. Rick was amazing, he worked us through all the processes with patiently. Even though our case was a little messy. Thank you GOD and Rick. "

"Timely, effective"

"From day one. Rick answered his phone right away. I was shocked to learn that he was so honest and personable about his business. You simply do not find that anymore. He always made himself available to me and if he didn't answer he always returned my calls. Same with emails. He walked me through the process step by step. I highly reccomend him!"

"Rick was great. Was available at all times. Answered all our questiones. Kept us informed. Everytime we called he answered. Highly recommend him and his team. Great customer service. Will definitely continue using Rick for any of our future mortgage needs."

"Great company Rick was amazing !!! Easy and smooth"

"From day one, Rick was honest and upfront with what he could do for me. He was on top of the process and getting everything he needed from me. Amazing experience! He made it happen when my own credit union gave me the run around!"

"Rick and Brenda made the process so smooth, answered all my questions, was super friendly, we closed within 30 days with a few hurtles."