Fort Campbell, Austin Peay and the Cumberland
Mortgage Loans in Clarksville, TN
Serving Clarksville and all of Montgomery County, Tennessee | Valor Mortgage
Clarksville, Tennessee — where Valor Mortgage helps families put down roots.
If you’re buying a home, refinancing, or exploring your loan options in Clarksville, Tennessee, you’ve come to the right place. Valor Mortgage is a locally-owned, independent mortgage broker based in Springfield at 724 S Main Street. As a broker, we work with dozens of wholesale lenders to find the most competitive rates and loan programs for Clarksville homebuyers, rather than being limited to a single bank’s products.
Our loan officer, Christopher Armantrout (NMLS #1210804), has been helping Middle Tennessee families finance their homes since 2015. He works across Montgomery County and the surrounding counties, and has helped buyers navigate everything from VA loans and FHA financing to USDA rural development loans and specialized Non-QM programs.
Loan Programs Available in Clarksville, TN
As an independent mortgage broker, Valor Mortgage gives Clarksville homebuyers access to a wide range of loan programs. Whether you’re a first-time buyer, a veteran, a real estate investor, or someone who has been told “no” by a bank, we likely have a program that works for your situation.
VA Loans
If you or a family member have served in the U.S. military, a VA loan may be your most powerful path to homeownership. VA loans offer zero down payment, no private mortgage insurance (PMI), competitive interest rates, and flexible qualification guidelines. Christopher Armantrout works regularly with veterans and active-duty service members throughout Montgomery County and will make sure you maximize the VA benefit you’ve earned.
FHA Loans
FHA loans are one of the most popular programs for first-time homebuyers and those with credit challenges. Backed by the Federal Housing Administration, FHA loans allow down payments as low as 3.5% with a credit score of 580 or higher. FHA loans allow gift funds for the down payment and seller concessions up to 6%. Tennessee Housing Development Agency (THDA) down payment assistance can often be layered with FHA financing.
Conventional Loans
Conventional loans offer down payment options as low as 3% for first-time buyers, flexible term options (15, 20, or 30 years), and the ability to eliminate PMI once you reach 20% equity. For buyers with credit scores of 680 or above and stable employment history, a conventional loan often provides the most competitive interest rate and lowest total cost of borrowing.
USDA Loans
The USDA Rural Development loan program offers 100% financing with zero down payment for eligible buyers in qualifying rural areas — and much of Montgomery County qualifies. USDA loans carry competitive interest rates and lower mortgage insurance costs than FHA loans. If you’re buying in a smaller Montgomery County community, a USDA loan could put you in a home with little to no money out of pocket.
Non-QM Loans
Non-QM loans are designed for self-employed borrowers, real estate investors, freelancers, and business owners with non-traditional income documentation. Christopher has access to bank statement loans, asset depletion loans, DSCR investor loans, and 1099 programs. If you’ve been told you don’t qualify because of your income structure, a Non-QM loan may be the solution.
Construction Loans
Building your dream home in Montgomery County? Valor Mortgage offers construction-to-permanent financing that covers land and construction costs, then converts to a traditional mortgage when your home is complete — eliminating the need for separate construction and permanent financing.
First Responder Loans
Montgomery County’s firefighters, police officers, EMTs, paramedics, teachers, and healthcare workers deserve special mortgage benefits. First Responder loan programs offer reduced rates, down payment assistance, and streamlined qualification. Ask Christopher about current first responder programs available in Tennessee.
Down Payment Assistance
Many Montgomery County homebuyers qualify for down payment assistance they don’t know about. Tennessee Housing Development Agency (THDA) Great Choice programs offer up to 6% of the purchase price for qualifying buyers. Other programs including The Housing Fund and local grants can further reduce your out-of-pocket costs.
What Clarksville Homebuyers Say About Valor Mortgage
★★★★★
“Christopher went above and beyond to help us refinance at the right time. He monitored rates for us and called as soon as the window opened. That kind of personal service is rare.”
Woody W.
Refinance · Yelp 5-Star Review
Living and Buying a Home in Clarksville, TN
Clarksville is the seat of Montgomery County and one of the fastest-growing cities in Tennessee, set on the Cumberland River about 45 miles north-west of Nashville. Fort Campbell sits on its northern edge and Austin Peay State University anchors the downtown, which together give the housing market a steady base of military and student demand. It is a genuinely different market from the Nashville suburbs, and the loan limits reflect that.
When you choose Valor Mortgage, you’re working with a neighbour — not a call center. Christopher Armantrout works throughout Middle Tennessee, knows how these county lines change a payment, and is personally invested in seeing Clarksville families achieve homeownership. From your first call through closing day, you’ll have direct access to Christopher and the Valor Mortgage team.
Ready to Buy a Home in Clarksville?
Get pre-approved today. Christopher will review your situation personally and find the best loan program for your needs — no pressure, no runaround.
Montgomery County Loan Limits, USDA & Property Tax for Clarksville Buyers
USDA eligibility. In Clarksville, 99.94% of the city’s 100.1 square miles sits inside a USDA-ineligible area. Treat a Clarksville address as a USDA no unless it is on the outermost fringe of the city, and plan around VA, FHA or conventional financing instead. Eligibility is set by street address, not by city or zip code, so it still has to be confirmed on the specific property before you write an offer.
Property tax. Clarksville stacks its city rate of $0.9200 on top of the Montgomery County rate of $2.100 per $100 of assessed value, for a combined $3.0200. Tennessee assesses homes at 25% of appraised value, so on a $400,000 home that is about $251.67 a month in your escrow. Clarksville carries by far the highest combined rate in Montgomery County, and the city rate alone is larger than several whole county rates in the region.
Loan limits. Clarksville is in Montgomery County, which sits in the Clarksville, TN-KY metropolitan statistical area rather than the Nashville one. That means the 2026 FHA limit here is $541,287 — the national FHA floor, not the $1,029,250 figure that neighbouring counties in the Nashville metro carry. It is the single most common mistake made about financing in this market.
Frequently Asked Questions — Clarksville Homebuyers
Do I have to live in Montgomery County to work with Valor Mortgage?
No — Valor Mortgage is licensed throughout Tennessee. However, as a Montgomery County-based broker, we have particular expertise in the Clarksville and greater Montgomery County market, including local home values and area-specific programs.
What loan programs are available with no down payment in Clarksville?
VA loans offer 100% financing for eligible veterans and active military. USDA Rural Development loans also offer zero down payment for qualifying buyers in eligible areas — and much of Montgomery County, including Clarksville, qualifies. Ask Christopher to run a quick eligibility check on your situation.
How fast can Valor Mortgage get me pre-approved?
In most cases, Christopher can issue a pre-approval letter within 24–48 hours of receiving your complete application. For buyers in competitive situations, same-day pre-approvals are often possible. Call 615.671.9178 to get started.
What is the minimum credit score needed to buy a home in Clarksville?
It depends on the loan program. VA loans have no official minimum set by the VA (lenders typically require 580+). FHA loans require 580 for 3.5% down. Conventional loans generally require 620+. USDA loans typically require 640+. If your credit needs work, Christopher can point you toward resources to improve your score quickly.
Valor Mortgage — Locally Owned, Montgomery County Based
Christopher Armantrout | 724 S Main St, Springfield, TN 37172
Christopher Armantrout NMLS #1210804 | Encore Lending Group, LLC NMLS #1249911 | Equal Housing Lender
724 S Main St, Springfield, TN 37172 | 615.671.9178 | christopher@valor.mortgage
This is not a commitment to lend. All loans subject to credit approval, income verification, and property appraisal. Rates and programs subject to change without notice.
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