Business Details
7 Years
experience
Your Trusted Mortgage Broker in Gilbert, AZ
Founded in 2019, Valor Mortgage operates as an independent mortgage brokerage committed to delivering competitive rates and personalized service. Our team combines military discipline with industry expertise, specializing in VA loans while offering a full range of mortgage solutions including conventional, FHA, USDA, and reverse mortgages. We prioritize client education, transparent communication, and ethical practices, ensuring borrowers understand every step of the home financing process.With over 50 wholesale investor partnerships, we provide tailored loan options to meet diverse financial needs. Our leadership draws on extensive experience from both corporate lending and military service, maintaining core values of integrity, client-first service, and operational excellence. We actively support veterans in maximizing their VA loan benefits while serving all homebuyers with professionalism and accountability.
Services
VA Home Loans
FHA Home Loans
USDA Home Loans
Conventional Loans
Reverse Mortgages
Renovation Loans
Details
- Year established: 2019
Highlights and features
- We offer VA loan expertise developed through military service experience since 2016
- Our team provides personalized mortgage guidance with no lender fees
- We maintain strict ethical standards with transparent loan processes
- We operate with military values of integrity and client-first service
- Our 50+ wholesale investor partnerships ensure diverse loan options
Services
VA Home Loans
Specialized mortgage programs for active duty, veterans, and reservists offering competitive rates with no down payment requirements. Our team assists with COE acquisition, entitlement calculations, and streamlined refinancing options while maintaining strict compliance with VA guidelines.
FHA Home Loans
Federal Housing Administration insured mortgages requiring lower down payments and credit scores. We guide borrowers through minimum 3.5% down payment options and mandatory mortgage insurance requirements while comparing FHA rates against conventional alternatives.
USDA Home Loans
100% financing options for properties outside major metropolitan areas. Our specialists verify eligibility based on USDA-defined rural zones, assist with income verification, and explain the unique guarantee fee structure of these zero-down mortgage programs.
Conventional Loans
Fixed-rate and adjustable-rate mortgages with flexible down payment options starting at 5%. We provide detailed comparisons between conventional loan requirements and government-backed programs, including private mortgage insurance calculations for loans under 20% down.
Reverse Mortgages
HECM loans for homeowners aged 62+ that convert home equity into tax-free income. Our counselors explain payment options, mandatory financial assessments, and how these loans affect Social Security or Medicare benefits while ensuring proper documentation.
People
Nick Palmer
Broker Owner
Former USAF member with mortgage industry experience since 2016. Founded Valor Mortgage to provide veteran-focused VA loan services while maintaining military values of integrity and client service.
Theresa Ulibarri
Loan Processor
Experienced loan processor specializing in mortgage pre-approvals and documentation management. Ensures smooth loan processing from application through underwriting with attention to detail and regulatory compliance.
Questions
What VA loan eligibility requirements should I know?
VA loan eligibility requires obtaining a Certificate of Eligibility (COE) first. Active duty personnel need current orders, while veterans must verify service history through official documentation.
Can I have multiple VA loans simultaneously?
Yes, you can maintain multiple VA loans with remaining entitlement. The required down payment depends on the difference between your available entitlement and purchase price.
What credit score is needed for VA loans?
The VA doesn't set minimum credit scores, but lenders do. We offer VA loans starting at 500 FICO, significantly lower than typical retail lender requirements.
Do you offer renovation mortgage options?
Yes, we provide VA renovation loans up to $100,000 and one-time construction loans covering both land purchase and building costs.
How does the VA loan process work for PCSing military members?
We require copies of PCS orders and new duty station information to calculate Basic Housing Allowance (BHA) for income verification purposes during relocation.
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