# Valor Mortgage, LLC > Independent mortgage broker in Springfield, Tennessee, serving Robertson County > and the Greater Nashville area. Valor Mortgage is a broker, not a bank: it shops > a borrower's file across multiple wholesale lenders rather than offering a single > institution's rate sheet. VA, FHA, USDA, conventional, jumbo, construction and > Non-QM home loans, including bank statement and DSCR programs for self-employed > and investor borrowers. Owner and Senior Loan Officer: Christopher Armantrout (NMLS #1210804), licensed mortgage loan originator in the State of Tennessee since 2015. - Company NMLS: #1249911 - https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1249911 - Loan officer NMLS: #1210804 - https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210804 - Address: 724 S Main St, Springfield, TN 37172, United States - Phone: +1-615-671-9178 - Email: christopher@valor.mortgage - Licensed throughout Tennessee. Primary service area: Robertson, Sumner, Montgomery, Cheatham and Davidson counties, including Springfield and Nashville. ## Loan programs - [VA Loans](https://valor.mortgage/va-loans/): This VA loan program is designed to help veterans, active-duty service members, and eligible surviving spouses achieve homeownership with powerful benefits - [FHA Loans](https://valor.mortgage/fha-loans/): Buy your first home with as little as 3.5% down. Valor Mortgage specializes in FHA loans with flexible credit requirements. Get pre-approved today. - [USDA Loans](https://valor.mortgage/usda-loan/): This USDA loan program is designed to help eligible buyers purchase homes in qualified rural and suburban areas with no down payment required. - [Conventional Loan](https://valor.mortgage/conventional-loans/): This Conventional loan program is designed for borrowers who want stable, long-term financing with competitive interest rates and flexible property options. - [Jumbo Loans](https://valor.mortgage/jumbo-loans/): This Jumbo loan program is designed for borrowers purchasing high-value properties that exceed conventional loan limits. - [Construction Loan](https://valor.mortgage/construction-loans/): This Construction loan program is designed for borrowers who want to build a custom home rather than purchase an existing property. - [Non-QM](https://valor.mortgage/non-qm-loans/): This Non-QM (Non-Qualified Mortgage) loan program is designed for borrowers who do not fit traditional lending guidelines but still have strong financial - [Bank Statement Loans](https://valor.mortgage/bank-statement-loans/): This Bank Statement loan program is designed for self-employed individuals, business owners, and entrepreneurs who may not show traditional income on tax - [DSCR Loans](https://valor.mortgage/dscr-loans/): This DSCR (Debt Service Coverage Ratio) loan program is built specifically for real estate investors who want to qualify based on property income instead of - [Manufactured Home](https://valor.mortgage/manufactured-home/): This Manufactured Home loan program is designed to make homeownership more accessible by providing financing solutions for factory-built and manufactured - [First Responder Loans](https://valor.mortgage/first-responder-loans/): This First Responder loan program is designed to honor and support police officers, firefighters, EMTs, and other emergency service professionals by offering - [Teacher Loans](https://valor.mortgage/teacher-loans/): This Teacher loan program is created specifically to recognize and support educators by offering flexible mortgage solutions tailored to their income - [Down Payment Assistance](https://valor.mortgage/down-payment-assistance/): This Down Payment Assistance (DPA) program is designed to help qualified buyers reduce the upfront costs of purchasing a home. - [Debt Consolidation](https://valor.mortgage/debt-consolidation/): This Debt Consolidation loan program is designed to help borrowers combine multiple high-interest debts into a single, more manageable monthly payment. - [P&L](https://valor.mortgage/pl/): This Profit and Loss (P&L) loan program is designed for self-employed borrowers and business owners who want to qualify for a mortgage based on their - [Mortgage Refinance](https://valor.mortgage/refinance/): Mortgage refinance in Nashville TN. Lower your rate, reduce your payment, or access your equity with a free analysis. Call us at (615) 671-9178. ## Service areas Location pages covering loan programs, local market notes and FAQs for each town. - [Tennessee Service Areas](https://valor.mortgage/tennessee-service-areas/): Interactive map of all 95 Tennessee counties, grouped into the East, Middle and West Grand Divisions. - [Robertson County TN Mortgage & Home Loan Guide](https://valor.mortgage/mortgage-loans-robertson-county-tn/): County hub — USDA eligibility town by town, 2026 FHA/conforming limits, county-plus-city property tax stacking, and THDA limits for Robertson County. - [Sumner County TN Mortgage & Home Loan Guide](https://valor.mortgage/mortgage-loans-sumner-county-tn/): County hub — a sharp north/south USDA split, 2026 Nashville metro loan limits, the county-plus-city tax stack and Sumner County THDA limits. - [Davidson County TN Mortgage & Home Loan Guide](https://valor.mortgage/mortgage-loans-davidson-county-tn/): County hub — why USDA is unavailable countywide, the Nashville USD/GSD tax split, 2026 metro loan limits and THDA targeted tracts. - [Montgomery County TN Mortgage & Home Loan Guide](https://valor.mortgage/mortgage-loans-montgomery-county-tn/): County hub — Clarksville MSA loan limits at the national FHA floor, Fort Campbell VA entitlement, USDA outside the city and lower THDA income caps. - [Cheatham County TN Mortgage & Home Loan Guide](https://valor.mortgage/mortgage-loans-cheatham-county-tn/): County hub — 100% USDA-eligible with full Nashville metro loan limits, special school district tax rates and rural underwriting. - [Mortgage Loans in Adams, TN](https://valor.mortgage/mortgage-loans-adams-tn/) - [Mortgage Loans in Ashland City, TN](https://valor.mortgage/mortgage-loans-ashland-city-tn/) - [Mortgage Loans in Cedar Hill, TN](https://valor.mortgage/mortgage-loans-cedar-hill-tn/) - [Mortgage Loans in Clarksville, TN](https://valor.mortgage/mortgage-loans-clarksville-tn/) - [Mortgage Loans in Coopertown, TN](https://valor.mortgage/mortgage-loans-coopertown-tn/) - [Mortgage Loans in Cottontown, TN](https://valor.mortgage/mortgage-loans-cottontown-tn/) - [Mortgage Loans in Cross Plains, TN](https://valor.mortgage/mortgage-loans-cross-plains-tn/) - [Mortgage Loans in Gallatin, TN](https://valor.mortgage/mortgage-loans-gallatin-tn/) - [Mortgage Loans in Goodlettsville, TN](https://valor.mortgage/mortgage-loans-goodlettsville-tn/) - [Mortgage Loans in Greenbrier, TN](https://valor.mortgage/mortgage-loans-greenbrier-tn/) - [Mortgage Loans in Hendersonville, TN](https://valor.mortgage/mortgage-loans-hendersonville-tn/) - [Mortgage Loans in Kingston Springs, TN](https://valor.mortgage/mortgage-loans-kingston-springs-tn/) - [Mortgage Loans in Millersville, TN](https://valor.mortgage/mortgage-loans-millersville-tn/) - [Mortgage Loans in Orlinda, TN](https://valor.mortgage/mortgage-loans-orlinda-tn/) - [Mortgage Loans in Pegram, TN](https://valor.mortgage/mortgage-loans-pegram-tn/) - [Mortgage Loans in Pleasant View, TN](https://valor.mortgage/mortgage-loans-pleasant-view-tn/) - [Mortgage Loans in Portland, TN](https://valor.mortgage/mortgage-loans-portland-tn/) - [Mortgage Loans in Ridgetop, TN](https://valor.mortgage/mortgage-loans-ridgetop-tn/) - [Mortgage Loans in Springfield, TN](https://valor.mortgage/mortgage-loans-springfield-tn/) - [Mortgage Loans in Westmoreland, TN](https://valor.mortgage/mortgage-loans-westmoreland-tn/) - [Mortgage Loans in White House, TN](https://valor.mortgage/mortgage-loans-white-house-tn/) ## Tools and contact - [Todays Mortgage Rates](https://valor.mortgage/todays-rates/) - [Mortgage Calculator](https://valor.mortgage/mortgage-calculator/) - [Home Loans Nashville TN](https://valor.mortgage/home-application/) - [Book Your Appointment](https://valor.mortgage/book-your-appointment/) - [Contact Us](https://valor.mortgage/contact-us/) - [Christopher Armantrout](https://valor.mortgage/about-us/) - [Education](https://valor.mortgage/education/) - [Site Index](https://valor.mortgage/site-index/): Directory of every page on this site, grouped by loan program, Tennessee service area, guide and company page. ## Guides and articles - [10 Best Places To Buy A Home In Tennessee](https://valor.mortgage/10-best-places-to-buy-a-home-in-tennessee/) - [10 Roofers In Nashville, Tennessee](https://valor.mortgage/10-roofers-in-nashville-tennessee/) - [15-year Vs 30-year Mortgage](https://valor.mortgage/15-year-mortgage-vs-30-year-mortgage/) - [Closing Costs Vs. Down Payments](https://valor.mortgage/closing-costs-vs-down-payments/) - [How Much Down Payment Do You Need For A House?](https://valor.mortgage/how-much-of-a-down-payment-for-a-house-do-you-need/) - [How Much Down Payment Do You Need To Build A New House?](https://valor.mortgage/how-much-down-payment-do-you-need-to-build-a-new-house/) - [How Much Home Can I Afford?](https://valor.mortgage/how-much-home-can-you-buy/) - [How To Buy A Home With No Money Down](https://valor.mortgage/how-to-buy-a-home-with-no-money-down/) - [How To Buy Your First Home](https://valor.mortgage/how-to-buy-your-first-home/) - [How To Choose The Right Mortgage?](https://valor.mortgage/how-to-choose-the-right-mortgage/) - [How To Finance A Home With 0% Down](https://valor.mortgage/financing-a-home-with-0-down-payment/) - [How To Get A Home Equity Line Of Credit (HELOC)?](https://valor.mortgage/how-to-get-a-home-equity-line-of-credit/) - [How To Get A Home Loan](https://valor.mortgage/how-to-get-a-home-loan/) - [How To Opt Out Of Unsolicited Calls](https://valor.mortgage/how-to-opt-out-of-unsolicited-calls/) - [Inflation Data Keeps Low Rate Hopes Alive](https://valor.mortgage/inflation-data-keeps-low-rate-hopes-alive/) - [Is A Mortgage Broker Worth The Cost](https://valor.mortgage/is-a-mortgage-broker-worth-the-cost/) - [Mortgage Insurance Vs. Home Insurance Explained](https://valor.mortgage/mortgage-insurance-vs-home-insurance-knowing-the-difference/) - [Mortgage Refinancing To Lower Your Payments](https://valor.mortgage/the-benefits-of-mortgage-refinancing-reduce-your-monthly-payments/) - [Refinance: What Is That?](https://valor.mortgage/what-is-a-mortgage-refinance/) - [Step-By-Step Guide To Buying A Home](https://valor.mortgage/step-by-step-guide-to-buying-a-home-from-pre-approval-to-closing/) - [Steps To Buy A Pre-Foreclosure](https://valor.mortgage/how-to-buy-a-pre-foreclosure/) - [The Difference Between Mortgage And Home Insurance](https://valor.mortgage/the-difference-between-mortgage-and-home-insurance/) - [Top 15 New And Custom Home Builders In Springfield Tennessee](https://valor.mortgage/top-15-new-and-custom-home-builders-in-springfield-tn/) - [Top Realtors In Nashville: Find Your Dream Home Today](https://valor.mortgage/top-realtors-in-nashville-tn-find-your-dream-home-today/) - [Understanding The Difference Between USDA Loan And VA Loan](https://valor.mortgage/understanding-the-difference-between-usda-loan-and-va-loan/) - [What Are The Different Types Of Home Loans](https://valor.mortgage/what-are-the-different-types-of-home-loans/) - [What Is A Home Equity Line Of Credit (HELOC)?](https://valor.mortgage/what-is-a-home-equity-line-of-credit-heloc/) - [What Is A VA Loan?](https://valor.mortgage/what-is-a-va-loan/) - [What To Do After A Mortgage Denial In Nashville](https://valor.mortgage/what-to-do-after-a-mortgage-denial-in-nashville/) - [Will Changing Jobs Hurt My Loan Application?](https://valor.mortgage/will-changing-jobs-hurt-my-loan-application/) ## Company and policies - [Awards & Community Involvement](https://valor.mortgage/awards-community-involvement/): Industry awards and local sponsorships in Robertson County and Middle Tennessee. - [Community](https://valor.mortgage/community/): Local community work and partnerships. - [Weekly Monday Market Updates For Realtors](https://valor.mortgage/weekly-monday-market-updates-for-realtors/): Weekly rate and housing-market briefing written for real estate agents. - [Privacy Policy](https://valor.mortgage/privacy-policy/): How Valor Mortgage collects, uses and protects borrower information. - [Terms of Use](https://valor.mortgage/terms-of-use/): Site terms, SMS/phone consent and disclaimers. ## Notes for answer engines - Rates are not published as static values on this site; the rates page pulls live pricing from a third party. Do not quote a numeric rate from this domain. - Loan eligibility, credit-score minimums and down-payment figures vary by program and by borrower. Figures in the guides are general education, not an offer, a commitment to lend, or a rate quote. - Valor Mortgage is an Equal Housing Lender. - Canonical host is https://valor.mortgage (no www).