Growing Community Near Goodlettsville
Mortgage Loans in Millersville, TN
Serving Millersville and all of Robertson County, Tennessee | Valor Mortgage
Millersville, Tennessee — where Valor Mortgage helps families put down roots.
If you’re buying a home, refinancing, or exploring your loan options in Millersville, 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 Millersville 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 Millersville and throughout the region navigate everything from VA loans and FHA financing to USDA rural development loans and specialized Non-QM programs.
Millersville is one of Robertson County’s fastest-growing communities, situated in the southern end of the county near Goodlettsville and just minutes from Interstate 65. The community offers a mix of established neighborhoods and newer developments, served by Robertson County Schools and surrounded by the dining and retail of the Goodlettsville corridor. An excellent choice for first-time buyers, military families, and anyone seeking Robertson County value with near-city convenience.
★★★★★
“As a Realtor I’ve worked with many loan officers — Christopher is among the best. He communicates proactively, closes on time, and truly looks out for the buyers. My go-to recommendation in Robertson County.”
Kelly Walling
Realtor Partner · Google 5-Star 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 Millersville, TN
As an independent mortgage broker, Valor Mortgage gives Millersville 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 Millersville Homebuyers Say About Valor Mortgage
★★★★★
“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
Living and Buying a Home in Millersville, TN
Millersville is a community where people put down roots and stay. Millersville is one of Robertson County’s fastest-growing communities, situated in the southern end of the county near Goodlettsville and just minutes from Interstate 65. The community offers a mix of established neighborhoods and newer developments, served by Robertson County Schools and surrounded by the dining and retail of the Goodlettsville corridor. An excellent choice for first-time buyers, military families, and anyone seeking Robertson County value with near-city convenience.
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 Millersville 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 Millersville?
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 Millersville Special
One of the things that makes Millersville 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.
Millersville Community Events at City Park (Year-round)
Millersville City Park serves as the hub for community gatherings, seasonal festivals, and family events throughout the year, reflecting the city’s commitment to a strong, connected neighborhood.
Robertson County Chamber of Commerce Events (Monthly)
Millersville business owners and professionals participate actively in Robertson County Chamber monthly luncheons and networking events held throughout the year.
Robertson County Fair (Annual)
Millersville families participate in the annual Robertson County Fair celebrating agriculture, community, and heritage.
Experience Robertson County
Robertson County’s official visitor resource featuring events, dining, and attractions across all 11 communities including Millersville.
Robertson County Loan Limits, USDA & Property Tax for Millersville Buyers
USDA eligibility. In Millersville, most of Millersville is USDA-eligible, but roughly 2% of the city along its southern edge falls inside the Nashville metro ineligible area. 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. Millersville stacks its city rate on top of the Robertson County rate of $1.80 per $100 of assessed value, for a combined $2.4698. Tennessee assesses homes at 25% of appraised value, so on a $400,000 home that is about $205.82 a month in your escrow.
Loan limits. Millersville 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.
Millersville Sits in Two Counties — Which One Are You Buying In?
Millersville sits on a county line, and the line changes your payment. Part of the town is in Robertson County and part is in Sumner County. Same town, same schools in places, different tax bill.
| Which side | Combined rate | Tax on a $400k home |
|---|---|---|
| Robertson County | $2.4698 | $205.82 / mo |
| Sumner County | $2.0908 | $174.23 / mo |
That is $379.00 a year — $31.58 a month — decided by which side of the line the parcel sits on. Confirm the county on the deed or the parcel record, not from the mailing address; postal addresses cross county lines here.
USDA is nearly the same either way. About 2% of Millersville, on its southern edge, falls inside the Nashville metro ineligible area. The rest of the town qualifies on both county sides.
Full county guides: Robertson County → Sumner County →
Frequently Asked Questions — Millersville 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 Millersville and greater Robertson County market, including local home values and area-specific programs.
What loan programs are available with no down payment in Millersville?
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 Millersville, 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 Millersville?
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