#makeitfun

We are committed to creating an enjoyable experience for everyone!

#makeitbetter

We are relentless in our pursuit of excellence, constantly refining our craft.

#makeithappen

Our goal is delivery on time, every time! If it means going the extra mile to get it done, we will.

JOIN VALOR

#MakeItHappen #MakeItBetter #Make It Fun

Welcome to Valor

Your Career. Our Passion

Marty
Widergren

SVP.
Head of Strategy

Todd
Crane

President
Founder

Rob
Sylvia

President
Founder

Imagine being part of a company dedicated to relentless innovation, constantly pushing the boundaries to surpass your expectations.

At Valor, we don’t just view experience as a reflection of the past; it’s our compass guiding us into the future. We firmly believe that your success is intertwined with ours, driving us to redefine industry standards.

Executive Team

What Our Employees Say

About Working At Valor

What Our Customers Say

About Working With Valor

The Valor Difference

US

MINDSET:
MLO FIRST

• What’s best for our MLO’s
• Your brand, not ours
• We conform to your strengths
• We need you
• Empowerment: Lets partner

BOOK OF BUSINESS:
YOU OWN IT

• We respect your hard work. That’s why we’re dedicated to ensuring your success going so far as to include language in your offer that safeguards your book of business.

OPERATIONS:
SPEED TO SOLUTION

We prioritize a solution-based Operations Model.

Operations Model:
Ensuring all loans are handled swiftly with a proactive and collaborative mindset.

Our commitment to Speed to Solution fosters customer satisfaction, trust, and predictable outcomes for both sales and operations

Them

MINDSET:
COMPANY FIRST

• Volume at any cost
• Our brand, not yours
• Conform to us
• You need us
• Corp Control: “we know best”

BOOK OF BUSINESS:
WE OWN IT

One-sided employment contracts
• Corp valuation based on your book remaining
• Assign your BoB to another when you leave

OPERATIONS:
SPEED TO DECISION

• Quick turn times as long as everything is perfect
• Sales owns solving problems

Benefits Matter

  • Medical - Anthem with a Nationwide Network

  • Dental

  • Vision

  • Matching 401K - Up to 20%

  • Supplemental Life Insurance and Short Term Disability

EMPOWERING

HOPE.

At Valor Home Loans, we’re proud to stand shoulder to shoulder with this vital organization. For every loan we close, a portion of the proceeds will go directly to support The Exodus Road’s mission. Together, we can make a real difference in the fight for freedom. Discover more about our partnership and how you can be a part of this crucial cause at valorhl.com/ter or learn more about the important work they’re doing at theexodusroad.com.

Marketing

With You In Mind

Our team, led by a seasoned expert with hands-on experience in loans, brings extensive knowledge of mortgage products, compliance, and more to the table.

We’re dedicated to supporting loan officers, industry partners, referral partners, and vendors alike. Plus, we’re passionate about personal branding, offering support to design and build your logo, website, and online presence We’ll build your logo, your website and integrate it within our CRM so you can grow your business.

BE YOUR OWN BRAND

We believe that the LO is the brand. At Valor, you can register your own trade name and utilize all the benefits that come with it.

We’ll build your logo, your website and integrate it within our CRM so you can grow your business.

LOGO

Elevate your brand with our logo design expertise. From conceptualization to creation, we’re dedicated to crafting a visual identity that resonates with your audience and sets you apart.

WEBSITE

Step into the digital spotlight with our website solutions. Whether you’re establishing a new online presence or refreshing an existing one, we’ll ensure your website is both visually stunning and functionally exceptional.

ONLINE PRESENCE

Expand your reach and influence with our online presence services. From social media management to content strategy, we’re committed to helping you leave a lasting impression in the digital landscape.

Specialized

Home Financing

As a proud direct lender for Fannie Mae and Freddie Mac, we offer a seamless loan process, competitive rates, and financing solutions that meet the highest industry standards. This distinction allows us to eliminate unnecessary steps, ensuring a faster, more efficient experience for our borrowers.

In addition, we provide a robust suite of non-QM products designed for unique financial needs, including self-employed individuals, real estate investors, and those with complex financial situations. Whether through traditional or innovative loan options, our mission is to empower homebuyers and investors with confidence, expertise, and unwavering support.

The Fundamental Five

ALL-IN-ONE

Every payment is applied to principal first, saving thousands in interest

DREAM MAKER

Designated regions eligible for up to $4500 lender credits and lower rates

HEROES ADVANTAGE

Lender credits towards closing costs for qualified heroes

BANK STATEMENT

Utilize bank statements to determine qualifying income. No tax returns

DOWN PMT ASSISTANCE

National or state offered initiatives to help clients with their down payment

TEMPORARY BUYDOWNS

Conventional or government 3-2-1, 2-1, 1-1 and 1-0 options available

INVESTOR CASH FLOW

DSCR loan with no income required. Qualify based on subject property income

BRIDGE

Short-term financing to bridge a financial gap to purchase a home

ASSET QUALIFIER

Conventional or government 3-2-1, 2-1, 1-1 and 1-0 options available

CONDOS

Warrantable, Non-Warrantable, and Condotel options

CONSTRUCTION

One-Time Close (OTC) Construction available on CONV, FHA, VA and USDA

RENOVATION

Purchase or refinance a home for rehab up to conforming loan limits

5-24 UNITS

Multifamily residential properties that don’t meet conventional guidelines

EXTENDED RATE LOCKS

Lock rate for up to 360 days on conventional conforming or government

LOCK AND SHOP

Relax and shop knowing your rate is locked for 90 days

ITIN

Mortgages for non-US citizens who are residents with unique circumstances

FOREIGN NATIONALS

Mortgages for individuals who are not US citizens or permanent residents

LITE DOC

Reduced documentation and eligibility requirements. Excellent for self-employed

REVERSE

For homeowners typically aged 62 or older that allows access to their equity

UNIQUE SCENARIO

Not sure if a scenario will work. Let us see what we can come up with! We’re up for the challenge!