#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!