The Sumner County Seat on Old Hickory Lake
Mortgage Loans in Gallatin, TN
Serving Gallatin and all of Sumner County, Tennessee | Valor Mortgage
Gallatin, Tennessee — where Valor Mortgage helps families put down roots.
If you’re buying a home, refinancing, or exploring your loan options in Gallatin, 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 Gallatin 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 Sumner 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 Gallatin, TN
As an independent mortgage broker, Valor Mortgage gives Gallatin 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 Sumner 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 Sumner County qualifies. USDA loans carry competitive interest rates and lower mortgage insurance costs than FHA loans. If you’re buying in a smaller Sumner 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 Sumner 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
Sumner 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 Sumner 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 Gallatin 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 Gallatin, TN
Gallatin is the seat of Sumner County, on the north shore of Old Hickory Lake about 30 miles north-east of Nashville. The historic public square anchors a downtown that has drawn steady reinvestment, and the lake shapes much of the residential market on the south side of town. Growth along the TN-386 corridor has made it one of the busier submarkets in the county.
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 Gallatin 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 Gallatin?
Get pre-approved today. Christopher will review your situation personally and find the best loan program for your needs — no pressure, no runaround.
Sumner County Loan Limits, USDA & Property Tax for Gallatin Buyers
USDA eligibility. In Gallatin, roughly 91% of the city sits inside a USDA-ineligible area. The outer edges still qualify, so a Gallatin address genuinely has to be checked street by street rather than assumed either way. 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. Gallatin stacks its city rate of $0.5295 on top of the Sumner County rate of $1.421 per $100 of assessed value, for a combined $1.9505. Tennessee assesses homes at 25% of appraised value, so on a $400,000 home that is about $162.54 a month in your escrow. Gallatin sits in the middle of the Sumner County range, and the county rate underneath it is the lowest of any county in this part of Middle Tennessee.
Loan limits. Gallatin is in Sumner 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.
Other Sumner County towns: Hendersonville · Portland · Westmoreland
Frequently Asked Questions — Gallatin Homebuyers
Do I have to live in Sumner County to work with Valor Mortgage?
No — Valor Mortgage is licensed throughout Tennessee. However, as a Sumner County-based broker, we have particular expertise in the Gallatin and greater Sumner County market, including local home values and area-specific programs.
What loan programs are available with no down payment in Gallatin?
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 Sumner County, including Gallatin, 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 Gallatin?
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, Sumner 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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