Mortgage Refinance | Valor Mortgage
Tennessee home values are at record highs and mortgage rates are shifting, This year may be the right time to review your current loan and do a mortgage refinance. Whether you’re looking to lower our monthly payment, shorten your loan term, or access the equity you’ve built, Valor Mortgage shops wholesale rates across multiple lenders to find terms your current bank simply can’t match — backed by 10+ years of Tennessee mortgage experience, a 5.0 Google rating, and a BBB A+ accreditation.
why refinance?
Lower My Rate
Rates Shift | Save Interest Save Money
Lower My Payment
Keep More In Your Pocket
Access Equity
Big Projects Take Big Budgets
Mortgage Refinance | Closing With Confidence
VA LOANS
RATE & TERM
CASH OUT EQUITY
How It Works
Free Mortgage Refinance Analysis
- We review your current loan balance, interest rate, and remaining term
- We assess your current equity position and LTV ratio
- Zero cost, zero obligation — just honest numbers
Compare Your Options
- We shop wholesale rates across multiple lenders — not just your current bank
- We present your best options side by side with clear savings projections
- You decide — no pressure, no credit pull until you're ready
Close and Save
- Most Tennessee refinances close in 15–17 days with minimal paperwork
- Christopher guides you through every step from application to closing table
- Your new lower rate or cash-out funds are in place from day one
Schedule my free mortgage refinance analysis — no credit pull until you're ready.
Get my free analysisA Strategic Way to Improve Your Mortgage
What is Mortgage Refinancing & Why Choose Valor Mortgage?
A mortgage refinance is simply swapping your current mortgage for a better one. Better rate, better term, better fit for where your life is right now. We talk to Tennessee homeowners every week who are still paying a rate they locked in years ago —
Sometimes significantly higher than what’s available today. A quick analysis costs nothing and takes about 15 minutes. If refinancing makes sense, we’ll show you exactly how much you’d save. If it doesn’t, we’ll tell you that too.
That’s the difference between working with a local broker and calling an 800 number.
- We Shop Multiple Lenders — your current lender only offers their own rates
- No Obligation Analysis — see your savings before committing to anything
- 10+ Years in Tennessee — we’ve refinanced hundreds of Middle Tennessee homeowners
- Fast Closings — most refinances close in 21-30 days
After being turned down by multiple lenders due to our credit, we were starting to feel discouraged—but Chris made it happen. He was knowledgeable, persistent, and truly committed to finding a way to get us approved. What we appreciated most was how upfront and honest he always was about our situation. He set clear expectations while still giving us confidence and hope throughout the process.
Chris never left a question unanswered and was always available when we needed him. No matter how many questions we had, he took the time to explain everything in a way we could understand, and he never once made us feel like we were an inconvenience.
Because of his hard work and dedication, we were able to move forward and purchase our home, and we are so grateful. If you’re looking for a loan officer who genuinely cares, communicates clearly, and will go the extra mile for you, we can’t recommend Chris at Valor Mortgage enough.
When we had questions, he took his time to answer them and go into detail to make sure we understood. Phone call or text, he would answer or let us know when he could call back. He was respectful, honest and straight to the point
I had a slightly better rate with a bank and he offered to match it. When the house we were buying had another offer, he called their agent and told them we were move in ready and could close ASAP. They took our offer!
We have our dream home because of Chris and our agent. Why are you still reading this? Call him and you won't regret it.
He walked us through every step, explained things in a way we could actually understand, and was available at all hours for our questions. Thanks to his hard work and guidance, we are officially homeowners!
If you think your credit score is too low to qualify, don’t give up!! Chris made what felt impossible, possible. We are forever grateful and will recommend them to everyone we know!
Mortgage Refinance |
When Does it Make Sense?
A Mortgage refinance may not always make financial sense. But if it does, we would be eager to help make the process go smooth to the best we can. Here are some ideas of when it might be a good time:
- When your current rate is 0.75%+ higher than today’s rates
- When you plan to stay in the home long enough to break even
- When you need to access equity for debt consolidation or home improvements
- When you want to switch from an ARM to a fixed rate
- When you want to remove PMI from an FHA loan
- When you want to shorten your loan term
Overall, refinance options offer a powerful way to optimize your mortgage and create a stronger financial position over time.
~$485K
Nashville median home price
3–5%
Projected 2026 price growth
6.2%
Avg 30-year fixed rate
86 days
Avg days on market, Nashville
Middle Tennessee's housing market has shifted in 2026. With Nashville median home prices around $485,000 and active inventory at its highest level since 2014, buyers have more options and negotiating leverage than at any point in the last four years. Analysts project 3–5% price appreciation through the year — meaning today's price is likely lower than tomorrow's. In this environment, a mortgage pre-approval isn't just paperwork — it's what separates buyers who get offers accepted from those who lose homes while still arranging financing. Most Valor Mortgage clients receive their pre-approval letter within 24 hours.
Get pre-approved in 24 hours — no credit pull until you're ready.
Each scenario will vary. There is not a “ONE SIZE FITS ALL” answer. One way to determine if it’s worth it is to use a break even analysis. How much will it cost me compared to how much will I be saving. How long will it take me to recoup the cost to complete the refinance. Will you be staying in the property long enough to see a return on investment? However, other things may be more important – In pulling equity out, you may need the cash and the payment isn’t what is being factored.
Typical Documents:
- 2 forms of Id
- Current Mortgage Statement(s)
- Current Insurance Declaration Page or Insurance Contact Information
- Last 30 Days Paystub
- Last 2 Years W2s
- Less Often: Bank Statements & Tax Returns
Average loan processing time for Valor Mortgage is about 15 calendar days. However, every situation is different. The more prepared a client is with documentation and appraisals, the faster we can typically close.
This will depend on your loan program as it can vary. An example: VA loans can max out at 100% where as other loan programs may not be as flexible. Give us a call and we can look more at specifics.
We will need to do a credit pull, sometimes this can temporarily impact your score but not always.
Resetting your entire mortgage loan to a larger amount then what is current. The amount after paying the original loan and the cost to close the loan off will be the equity or funds back in your pocket at closing.
FHA loans can be refinanced. These are often refinanced using special loan programs called FHA Streamlines, which often do not require an appraisal. Give us a call to see if this is the right fit for you. Call 615.671.9178
Yes they can! A VA IRRRL or Interest Rate Reduction Refinance Loan. This loan is geared to lower a veterans rate, potentially with out any money out of pocket or even an appraisal. Lets talk more on this – 615.671.9178
Find out how much you could save
Free refinance analysis — no credit pull, no obligation.
