Terms of Use

Effective Date: July 1, 2025  |  Last Updated: July 1, 2025

Welcome to the website of Valor Mortgage, LLC (“Valor Mortgage,” “we,” “us,” or “our”), located at 724 S Main St, Springfield, TN 37172. This website is operated on behalf of Christopher Armantrout, Licensed Loan Officer NMLS #1210804, powered by Encore Lending Group, LLC, NMLS #1249911.

By accessing or using this website at valor.mortgage (the “Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, please do not use this Site.

1. Use of This Site

This Site is intended for informational and mortgage inquiry purposes for individuals located in the United States. You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the Site to distribute spam, malware, or any harmful content
• Attempt to gain unauthorized access to any portion of the Site
• Scrape, crawl, or harvest data from the Site without written permission
• Use the Site in any way that violates applicable federal, state, or local laws

2. Not a Loan Commitment

Nothing on this Site constitutes a loan commitment, offer to lend, or guarantee of loan approval. All loan applications are subject to underwriting review, credit approval, property appraisal, and applicable state and federal regulations. Loan terms, rates, and availability are subject to change without notice and may vary based on individual qualifications.

Information provided on this Site is for general educational purposes only and should not be relied upon as financial, legal, or tax advice. We recommend consulting with a licensed financial or legal professional before making any mortgage or real estate decision.

3. SMS and Phone Communication Consent

By submitting any contact form, application, or inquiry on this Site, you expressly consent to be contacted by Valor Mortgage, LLC and its representatives by telephone, mobile phone, and/or SMS/text message at the phone number(s) you provide, including numbers registered on any federal or state Do Not Call registry.

You understand and agree that:

• Message frequency will vary based on your inquiry and our response
• Standard message and data rates may apply depending on your carrier and plan
• You may opt out of SMS messages at any time by replying STOP to any text message
• You may reply HELP to any text message for assistance
• Consent to receive SMS messages is not a condition of obtaining any loan product or service
• We do not sell or share your phone number with third parties for their marketing purposes

For questions about SMS communications, contact us at christopher@valor.mortgage or call (615) 671-9178.

4. Authorization to Obtain Information

By submitting a loan application or inquiry through this Site, you authorize Valor Mortgage, LLC and Encore Lending Group, LLC to obtain all information deemed necessary to process your mortgage loan application. This includes, but is not limited to, your employment history, deposit account information, consumer credit record, mortgage record, and rental history. This authorization remains in effect for the duration of your loan application process.

5. Electronic Communications Consent

By applying for a loan through this Site, you agree to receive all applicable disclosures and communications in electronic form, including disclosures required by the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), and the Equal Credit Opportunity Act (ECOA). You have the right to receive paper copies of any disclosures by contacting us directly.

6. Intellectual Property

All content on this Site, including but not limited to text, graphics, logos, images, and software, is the property of Valor Mortgage, LLC or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.

7. Third-Party Links

This Site may contain links to third-party websites for your convenience. These links do not constitute an endorsement of those websites or their content. We have no control over the content, privacy practices, or policies of third-party sites and accept no responsibility for them. We encourage you to review the terms and privacy policies of any third-party sites you visit.

8. Disclaimer of Warranties

This Site and all content provided herein are offered on an “as is” and “as available” basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the fullest extent permitted by law, Valor Mortgage, LLC, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of this Site, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising from use of this Site shall not exceed $100.

10. Privacy Policy

Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices regarding the collection and use of your personal information.

11. Equal Housing and Fair Lending

Valor Mortgage, LLC is committed to the letter and spirit of the Equal Housing Opportunity laws. We do not discriminate on the basis of race, color, religion, national origin, sex, familial status, disability, age, or any other characteristic protected by applicable law. We comply with the Equal Credit Opportunity Act, the Fair Housing Act, and the Home Mortgage Disclosure Act.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of this Site shall be subject to the exclusive jurisdiction of the courts located in Robertson County, Tennessee.

13. Changes to These Terms

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting to this page. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

14. Contact Us

If you have any questions about these Terms of Use, please contact us:

© 2025 Valor Mortgage, LLC. All rights reserved.
Valor Mortgage is powered by Encore Lending Group, LLC NMLS #1249911.
Christopher Armantrout, Loan Officer NMLS #1210804.
Licensed to originate mortgage loans in Tennessee and other states where applicable.