# Mortgage Loans in Goodlettsville, TN Canonical URL: https://valor.mortgage/mortgage-loans-goodlettsville-tn/ Page title: Mortgage Loans in Goodlettsville, TN | Valor Mortgage One City, Two Counties, Two Tax Rates Serving Goodlettsville and all of Davidson County, Tennessee | Valor Mortgage By [Christopher Armantrout](https://valor.mortgage/about-us/), Licensed Mortgage Loan Originator · NMLS [#1210804](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210804) Last updated October 21, 2026 2026 loan limits checked against FHFA · October 2026 Goodlettsville, Tennessee — where Valor Mortgage helps families put down roots. If you’re buying a home, refinancing, or exploring your loan options in **Goodlettsville, 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 compare rates and loan programs across participating wholesale lenders for Goodlettsville 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 Davidson 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 Goodlettsville, TN As an independent mortgage broker, Valor Mortgage gives Goodlettsville 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](https://valor.mortgage/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 Davidson County and will make sure you maximize the VA benefit you’ve earned. ### [FHA Loans](https://valor.mortgage/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](https://valor.mortgage/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 is often worth pricing first, because conventional pricing and mortgage insurance generally improve with higher credit scores and larger down payments. ### [USDA Loans](https://valor.mortgage/usda-loan/) The USDA Rural Development loan program offers 100% financing with zero down payment for eligible buyers in qualifying rural areas — and much of Davidson County qualifies. USDA loans carry competitive interest rates and lower mortgage insurance costs than FHA loans. If you’re buying in a smaller Davidson County community, a USDA loan could put you in a home with little to no money out of pocket. ### [Non-QM Loans](https://valor.mortgage/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](https://valor.mortgage/bank-statement-loans/), asset depletion loans, [DSCR investor loans](https://valor.mortgage/dscr-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](https://valor.mortgage/construction-loans/) Building your dream home in Davidson 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](https://valor.mortgage/first-responder-loans/) Davidson County’s firefighters, EMTs and law enforcement officers, along with veterans and full-time K-12 classroom teachers, can take 0.50% off the interest rate on a THDA Great Choice home loan through Tennessee’s [Homeownership for Heroes](https://valor.mortgage/first-responder-loans/) program, and it can be paired with Great Choice Plus down payment assistance. THDA income, purchase-price and credit rules apply. Ask Christopher whether you qualify. ### [Down Payment Assistance](https://valor.mortgage/down-payment-assistance/) Many Davidson County homebuyers qualify for down payment assistance they don’t know about. Tennessee Housing Development Agency (THDA) Great Choice Plus offers qualifying buyers $6,000 or $10,000 as a deferred second mortgage, or up to 5% of the purchase price (maximum $15,000) as an amortizing second mortgage. Other programs including The Housing Fund and local grants can further reduce your out-of-pocket costs. ## What Goodlettsville 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 [See all Google reviews →](https://www.google.com/maps?cid=8117679174216644032) ## Living and Buying a Home in Goodlettsville, TN Goodlettsville sits directly north of Nashville on I-65, and the city limits straddle the Davidson–Sumner county line. The Rivergate retail area anchors the south end, and the housing stock ranges from mid-century subdivisions to newer infill. The county line running through town is the single most important thing a buyer here needs to understand, because it changes the property tax bill substantially without changing the address. 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 Goodlettsville 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 Goodlettsville? Get pre-approved today. Christopher will review your situation personally and find the best loan program for your needs — no pressure, no runaround. [Schedule Your Free Consultation](https://valor.mortgage/book-your-appointment/) ## Davidson County Loan Limits, USDA & Property Tax for Goodlettsville Buyers **USDA eligibility.** In Goodlettsville, about 97% of the city sits inside a USDA-ineligible area, and the Davidson County portion has no eligible area at all. Treat it as a USDA no unless the property is on the Sumner County side and checks out by address. 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.** Goodlettsville stacks its city rate of $0.5068 on top of the Davidson County rate of $2.782 per $100 of assessed value, for a combined **$3.2888**. Tennessee assesses homes at 25% of appraised value, so on a $400,000 home that is about **$274.07 a month** in your escrow. This is the detail that catches Goodlettsville buyers out: the city spans the Davidson–Sumner line, and the same city rate of $0.5068 stacks on a Davidson County rate of $2.782 or a Sumner County rate of $1.421. That is **$3.2888** combined on the Davidson side against **$1.9278** on the Sumner side — about **$274.07** versus **$160.65** a month on a $400,000 home. Same city, same services, a $113 monthly difference decided by which county the parcel sits in. **Loan limits.** Goodlettsville is in Davidson 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. [Full Davidson County mortgage guide — USDA map by town, the complete tax stacking table and THDA limits →](https://valor.mortgage/mortgage-loans-davidson-county-tn/) ## Frequently Asked Questions — Goodlettsville Homebuyers ### Do I have to live in Davidson County to work with Valor Mortgage? No — Valor Mortgage is licensed throughout Tennessee. However, as a Davidson County-based broker, we have particular expertise in the Goodlettsville and greater Davidson County market, including local home values and area-specific programs. ### What loan programs are available with no down payment in Goodlettsville? VA loans offer 100% financing for eligible veterans and active military. USDA is largely unavailable — roughly 97% of Goodlettsville is in an ineligible area, and none of the Davidson County side 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](tel:+16156719178) to get started. ### What is the minimum credit score needed to buy a home in Goodlettsville? 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 in Springfield, TN — Serving Davidson County** Christopher Armantrout | 724 S Main St, Springfield, TN 37172 [615.671.9178](tel:+16156719178) | [christopher@valor.mortgage](mailto:christopher@valor.mortgage) [Book Your Free Appointment →](https://valor.mortgage/book-your-appointment/) Christopher Armantrout NMLS #1210804 | Valor Mortgage, LLC is powered by Encore Lending Group, LLC NMLS #1249911 | Equal Housing Opportunity 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](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1210804) --- ## Contact Valor Mortgage - Christopher Armantrout, Senior Loan Officer, NMLS #1210804 - Phone: [(615) 671-9178](tel:+16156719178) - Email: [christopher@valor.mortgage](mailto:christopher@valor.mortgage) - Office: 724 S Main St, Springfield, TN 37172 - [Book an appointment](https://valor.mortgage/book-your-appointment/) · [Apply online](https://valor.mortgage/home-application/) · [Contact page](https://valor.mortgage/contact-us/) Valor Mortgage, LLC is powered by Encore Lending Group, LLC, NMLS #1249911 ([NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1249911)). Christopher Armantrout, Loan Officer, NMLS #1210804. Licensed in Tennessee. Equal Housing Opportunity. All loan programs, rates, terms, and conditions are subject to change without notice. Loan approval is based on borrower qualification, credit review, income verification, and property eligibility. Not all applicants will qualify. Not a commitment to lend.