Valor Mortgage helps home buyers who are looking to purchase a home in Tennessee through the assistance of a conventional loan.
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Conventional loans are mortgage loans that aren’t backed by a government agency like the FHA, VA, or USDA. They are issued by private lenders and typically follow the guidelines set by Fannie Mae and Freddie Mac. These loans are a popular choice for borrowers with solid credit and financial stability.
Good to excellent credit (typically 620 and above)
A stable income and employment history
The ability to make a 3%–20% down payment
A desire for flexible loan terms
Conventional loans can offer more flexible interest rates, especially if you have a strong credit history.
Conventional loans are available for homebuyers with as little as 3% down, making them more accessible.
Because conventional loans aren't backed by a government agency, lenders have more freedom to offer flexible options.
The lack of government involvement also means you'll usually be able to access more funds with a conventional loan.
Minimum credit score of 620
Minimum down payment of 0-5%
Favorable Debt-to-income ratio
Loan amount within local conforming loan limits
Proof of stable employment and income
Clean credit history (no recent bankruptcy or foreclosure)
Start with a quick and easy pre-qualification.
Find the perfect home that meets your goals.
We’ll help guide you through the paperwork.
Sign, fund, and receive your keys!
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Christopher Armantrout Loan Officer NMLS 1210804