Robertson County’s First Established Community
Mortgage Loans in Cross Plains, TN
Serving Cross Plains and all of Robertson County, Tennessee | Valor Mortgage
Cross Plains, Tennessee — where Valor Mortgage helps families put down roots.
If you’re buying a home, refinancing, or exploring your loan options in Cross Plains, Tennessee, you’ve come to the right place. Valor Mortgage is a locally-owned, independent mortgage broker based right here in Robertson County — just down the road 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 Cross Plains 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 knows the Robertson County market, understands local home values, and has helped buyers in Cross Plains and throughout the region navigate everything from VA loans and FHA financing to USDA rural development loans and specialized Non-QM programs.
In 1778, Cross Plains became the first community in Robertson County to be formally established by European settlers — making it one of the oldest communities in all of Middle Tennessee. The historic Thomas Drugs store continues operating in its original 1915 building, and the Cross Plains Heritage Commission actively preserves the community’s rich history. Today, Cross Plains blends its deep heritage with agritourism attractions, local dining, and a vibrant small-town scene.
★★★★★
“We used Christopher for our VA loan and the process was seamless from start to finish. He clearly knows VA financing inside and out. Closed on time, no surprises — exactly what you want when buying a home.”
Sarah Marsolek
VA Loan · Robertson County · Google Review
Christopher Armantrout — Valor Mortgage
615.671.9178 | christopher@valor.mortgage
724 S Main St, Springfield, TN 37172 | Sun–Thu 8am–5pm | Fri 8am–3pm
Loan Programs Available in Cross Plains, TN
As an independent mortgage broker, Valor Mortgage gives Cross Plains 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 Robertson 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 Robertson County qualifies. USDA loans carry competitive interest rates and lower mortgage insurance costs than FHA loans. If you’re buying in a smaller Robertson 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 Robertson 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
Robertson 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 Robertson 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 Cross Plains 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 Cross Plains, TN
Cross Plains is a community where people put down roots and stay. In 1778, Cross Plains became the first community in Robertson County to be formally established by European settlers — making it one of the oldest communities in all of Middle Tennessee. The historic Thomas Drugs store continues operating in its original 1915 building, and the Cross Plains Heritage Commission actively preserves the community’s rich history. Today, Cross Plains blends its deep heritage with agritourism attractions, local dining, and a vibrant small-town scene.
When you choose Valor Mortgage, you’re working with a neighbor — not a call center. Christopher Armantrout lives and works in Robertson County, knows the local market intimately, and is personally invested in seeing Cross Plains 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 Cross Plains?
Get pre-approved today. Christopher will review your situation personally and find the best loan program for your needs — no pressure, no runaround.
Annual Events That Make Cross Plains Special
One of the things that makes Cross Plains such a great place to call home is its strong sense of community. Throughout the year, residents gather for events that celebrate local heritage, support local causes, and bring neighbors together. Click any event below to learn more.
Kilgore Station Bluegrass Festival (May)
Cross Plains hosts the beloved annual Kilgore Station Bluegrass Festival each May at Kilgore Park. Friday night features the Dan Kelly Junior Fiddle Contest and Big Barn Dance; Saturday brings a full day of live bluegrass. $10 for both days, 12 and under free.
Cross Plains Community Safety Day (August)
Held at Kilgore Park, families meet first responders from Cross Plains Police and Fire, Robertson County EMS, and the Tennessee Highway Patrol with hands-on exhibits from 10 AM to 2 PM.
Kilgore Remembrance and Independence Day Celebration (July 4th)
The Cross Plains Heritage Commission hosts the annual Kilgore Remembrance at Villines Cemetery, followed by a community celebration at Kilgore Park with live music and fireworks presented by the City of Cross Plains.
Historic Thomas Drugs
Housed in its original 1915 building, Thomas Drugs is a piece of living history in Cross Plains and a year-round community gathering point — one of the oldest continuously operating pharmacies in Middle Tennessee.
Robertson County Loan Limits, USDA & Property Tax for Cross Plains Buyers
USDA eligibility. In Cross Plains, the entire town sits in a USDA-eligible area, so a qualified buyer here can purchase with no down payment. 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. Cross Plains levies no city property tax at all, so you pay the Robertson County rate of $1.80 per $100 of assessed value and nothing on top — a combined $1.8000, the lowest anywhere in the county. Tennessee assesses homes at 25% of appraised value, so on a $400,000 home that is about $150.00 a month in your escrow.
Loan limits. Cross Plains is in Robertson County, which sits inside the Nashville–Davidson–Murfreesboro–Franklin metro area. That means the 2026 FHA and conforming limits here are $1,029,250 — the full metro figure, not the $541,287 rural FHA floor and not the $832,750 national conforming baseline. If you have been told a purchase here is a jumbo below that number, it very likely is not.
Frequently Asked Questions — Cross Plains Homebuyers
Do I have to live in Robertson County to work with Valor Mortgage?
No — Valor Mortgage is licensed throughout Tennessee. However, as a Robertson County-based broker, we have particular expertise in the Cross Plains and greater Robertson County market, including local home values and area-specific programs.
What loan programs are available with no down payment in Cross Plains?
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 Robertson County, including Cross Plains, 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 Cross Plains?
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, Robertson 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.
NMLS Consumer Access