VA Loans

Valor Mortgage helps veterans who currently or plan to live in Tennessee own their home through the help of a VA loan.

ABOUT LOAN

What is a

VA Loan?

VA loans offer Veterans an incredible path to homeownership. Designed specifically for veterans and active military personnel, these loans are backed by the U.S. Department of Veterans Affairs, providing unique benefits that make buying a home more accessible.

These loans are not directly issued by the VA, but they are guaranteed. This means we're able to provide the loan to eligible borrowers, and the VA guarantees it. Because the loan is backed by the federal government, there's no need for private mortgage insurance (PMI), which typically comes with conventional loans. This federal guarantee makes VA loans a more affordable and appealing option for veterans and active military personnel.

Who is It Best For?

  • Veterans & Active Military – Specifically for service members and vets.

  • No Down Payment – Buy a home with $0 down.

  • No PMI – Skip private mortgage insurance.

  • Better Rates – Lower interest rates than many conventional loans.

  • Spouses May Qualify – Some surviving spouses are eligible too.

BENEFITS

Benefits of Conventional Loans

No Down Payment

VA loans are one of the few home loan options that do not require a down payment, making homeownership more accessible for veterans and active military personnel.

01

Lower Interest Rates

VA loans generally provide interest rates that are significantly lower than those of conventional loans. which frequently change based on many factors.

02

Reduced Funding Fees

Some borrowers qualify for a reduced VA funding fee on a purchase mortgage or even be exempt from these fees if they receive service-connected disability compensation.

03

Lifelong Benefits

The VA entitlement, which enables borrowers to make no down payment and determines the loan guarantee amount, is a lifelong, reusable benefit.

04

Requirements

VA Loan Requirements

According to the VA, loan eligibility typically requires one of the following:

  • 90 days of service during wartime

  • 181 continuous days of active service during peacetime

  • 6 or more years of service in the National Guard or Reserves

VA loans also require:

  • Funding Fee Payment

  • Requirement to move into your new home no more than 60 Days after purchase

  • The loan be used for primary residence

Loan Process

Overview

1:Get Pre-Approved

Start with a quick and easy pre-qualification.

2:Choose Your Home

Find the perfect home that meets your goals.

3:Submit Documents

We’ll help guide you through the paperwork.

4:Close Your loan

Sign, fund, and receive your keys!

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ADDRESS: 724 S Main St // Springfield, TN 37172

PHONE: (615) 671.9178

EMAIL: [email protected]

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Valor Mortgage is powered by Encore Lending Group, LLC NMLS 1249911,

Christopher Armantrout Loan Officer NMLS 1210804