Business Details
7 Years
experience
Your Trusted Mortgage Partner in Gilbert, AZ
Founded in 2019, Valor Mortgage was established to provide clients with better mortgage solutions through lower rates and reduced fees. Our team combines military service values with deep industry expertise to help veterans maximize their VA home loan benefits. With access to over 50 wholesale investors, we offer personalized loan options tailored to diverse financial situations. Our streamlined process prioritizes transparency, guiding clients through pre-approval, home shopping, underwriting, and closing with dedicated support at every stage. We maintain strict compliance with regulatory standards while focusing on delivering exceptional service rooted in integrity and client-centric values. 
Services
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Renovation Loans
Reverse Mortgages
Details
- Year established: 2019
Highlights and features
- We offer access to 50+ wholesale lenders for customized loan options.
- Our team specializes in VA loan benefits for military veterans.
- We maintain transparent pricing with zero lender fees.
- We provide personalized guidance through every mortgage process stage.
- Our broker owner brings military service values to mortgage solutions.
Associations and certifications
- NMLS 1869319
Services
VA Home Loans
VA home loans provide military veterans with zero down payment options and competitive rates. Our team specializes in maximizing VA loan benefits through personalized guidance. We streamline the process from entitlement verification to closing.
FHA Home Loans
FHA loans offer low down payments and flexible credit requirements. We help borrowers navigate FHA guidelines to achieve homeownership. Our consultants provide detailed rate comparisons and documentation support.
Conventional Loans
Conventional fixed-rate mortgages suit borrowers seeking standard financing options. We access multiple lenders to secure competitive rates. Our process includes rate locking and closing cost analysis.
USDA Home Loans
USDA loans enable 100% financing for eligible rural properties. We verify property eligibility and guide borrowers through income requirements. Our team ensures compliance with USDA-specific underwriting standards.
Renovation Loans
Renovation loans combine purchase and remodeling costs into one mortgage. We coordinate with contractors to assess project feasibility. Our specialists handle budgeting and disbursement planning for renovations.
People
Nick Palmer
Broker Owner
Former USAF member with mortgage industry experience since 2016. Founded Valor Mortgage in 2019 to provide veterans better mortgage solutions. Maintains NMLS#973806 licensing and focuses on VA loan expertise.
Theresa Ulibarri
Loan Processor
Experienced loan processor specializing in mortgage pre-approvals and documentation management. NMLS#317976 licensed with a focus on creating smooth home buying experiences through accurate processing and client communication.
Questions
What VA loan benefits do you specialize in?
We specialize in VA loan programs for active-duty members, veterans, and reservists, helping maximize earned benefits with competitive rates and zero down payment options.
How does your mortgage pre-approval process work?
Our pre-approval process involves reviewing financial documentation to determine loan eligibility, providing clear guidance on qualifying amounts and required paperwork.
Are USDA loans available in my area?
USDA loans are available for properties in rural areas outside major metropolitan regions across most U.S. locations. Contact us for specific eligibility verification.
How long does the mortgage closing process take?
The closing process typically takes 30-45 days after accepted offer, depending on underwriting requirements, appraisal timelines, and documentation completeness.
Do you offer renovation financing options?
Yes, we provide renovation loans that combine purchase and home improvement costs into a single mortgage for eligible properties.
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