"Rick communicated through the whole process. The whole team was very helpful went above and beyond. If we had any questions Brenda or Rick were quick to answer. They helped us through a struggle with the appraiser not doing her job. I will refer Rick to anyone."

"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."

"The process from start to finish was amazing .my clients were able to close in two weeks .we love Axia home loans !!"

"Rick was very helpful answering questions! He was professional! I will be sending a friend to him soon!"

"The open line of communication was way above par. I called Rick on weekends and at odd times late in the evening. He answered my calls all but once. The one time he didn't answer he called me back 10 minutes later. The loan process was very smooth and easy. Rick and his wife Brenda are an ALLSTARS team."

"Rick is great at whar he does he keep you alert threw threw the whole process I gives 5 stares thabkyou risk dor everthing"

"I highly recommend Rick at Valor. He made my home buying experience so easy and flawless."

"Rick had communication"