5.0

I recently purchased a home that is truly amazing—more than I ever asked for and honestly everything I prayed for. As a first-time homebuyer, I had so many questions, concerns, and worries about the financing process, but my loan officer made such a difference in my experience. From the very beginning, they were patient, knowledgeable, and willing to walk me through each step. They helped me understand the process, answered my questions, and worked hard to make sure everything came together so I could purchase the home I loved. Buying a home can be stressful, especially when you’re constantly wondering if everything is going to work out. My loan officer gave me reassurance throughout the process and remained committed to helping me reach the finish line. I truly appreciate the time, effort, communication, and dedication they put into making my dream of homeownership a reality. I can honestly say that I’m grateful to have had them in my corner during such an important moment in my life. Their professionalism and commitment exceeded my expectations, and I can absolutely understand why they are so highly regarded. If you’re looking for a loan officer who will genuinely care about your situation, take the time to explain things, and work hard to help you achieve your homeownership goals, I highly recommend them. You won’t regret having them on your team!

5.0

The experience working with Mr Rick and his team was great I thank him so much helping me and my family get into our first house. I will recommend him and his team to anyone I know looking for a house. Thank u so much Mr Rick and you team for the great work you have done for us

5.0

I have never thought, I would have my own house. But the helped of GOD and Rick , Officially, I am a homeowner now. Rick was amazing, he worked us through all the processes with patiently. Even though our case was a little messy. Thank you GOD and Rick.

5.0

I am so happy with the service. I think they are the best mortgage company I have ever worked with. Rick and Brenda are my heros. When everyone said no, they made it happen!

5.0

A Mortgage Company That Actually Took the Time to Understand Us After more than 11 years of trying to buy a home, we had almost started to believe that homeownership simply was not going to happen for us. As self employed, blue collar working people, our financial situation did not always fit neatly into the traditional mortgage process. We had spoken with other lenders over the years, but often felt like we were being judged by numbers on a page rather than having someone actually take the time to understand our income, our work, and our circumstances. Then we found Valor Mortgage. What made the difference was that Valor actually listened. They took the time to understand how we earn our living, how self employment works, and why our financial picture looked different from that of someone with a traditional salaried job. Instead of immediately writing us off because we did not fit the standard mold, they worked with us and helped us find a path forward. After 11 years of trying, we finally became homeowners. That is something our family will never forget. I especially want to recommend Valor to other self employed people, tradesmen, blue collar workers, small business owners, contractors, and anyone else who has ever felt like traditional mortgage companies simply did not understand their situation. If you have been turned away elsewhere or feel like you are being judged before anyone really looks at the full picture, I would strongly encourage you to talk to Valor. They did not just see a set of numbers. They took the time to see the people behind them. For our family, that made all the difference. We are incredibly grateful to Valor Mortgage for helping us accomplish something we had been trying to do for more than a decade.

5.0

Rick and his team were fantastic to work with. As first time homebuyers, the process felt daunting. Rick put us in touch with good people who helped every step of the way. Now that we’ve closed, I have an even deeper appreciation for the work they did behind the scenes. No two couples, families or people have the exact same situation. I feel like Rick and his team worked hard to leverage the strengths in our financial situation and overcame what obstacles did arise. This is likely our forever home, but we will use Rick again if needed, and will be referring our friends and family to him when they’re ready to buy.

5.0

From day one, Rick was honest and upfront with what he could do for me. He was on top of the process and getting everything he needed from me. Amazing experience! He made it happen when my own credit union gave me the run around!

5.0

Rick really came through for us. We were in a bad rental and Rick was able to do what seemed impossible and got us into our own home. His team was fantastic and really helped change our lives. Rick is a miracle worker and stuck by his word. Best integrity and results are awesome! Rick is the best!

5.0

Rick and Brenda were absolutely amazing! They always kept me informed, replied quickly, and answered my multiple questions. Working with them was an easy efficient process!

5.0

I highly recommend Rick for a mortgage. He is very responsive (even nights and weekends), answered all of our questions, made adjustments as necessary, and got me approved. I never thought I would be a homeowner and am so grateful to Rick and his team!

5.0

I can to begin to thank Rick enough for everything he’s done to help. He was kind, helpful, and very understanding through it all. He helped us pay for our first house for my wife and I! Thank you so much!!

5.0

Rick and his team were absolutely outstanding! I purchased a home in Chicago and it was not an easy process. Rick was thorough and knew how to navigate the process all the way to closing without any issue. Highly recommended!!!

5.0

Rick and Brenda were great to work with. Explained the whole process and answered any questions i had. Would definitely work with them again

5.0

I am now a first time home owner, thank you Rick!!! Due to my finances, I was worried and not too sure if it was the right time or possible to go through with a mortgage loan. Rick & his team made it very possible and secured my loan. We closed approximately in 30 days so that goes to tell you he was quick and responsive and on a timely manner. My family & I are very grateful we came across you. Ive recommended you already to more family & friends. Thank you again Rick for making it possible & your team as well.

5.0

I highly recommend Rick at Valor. He made my home buying experience so easy and flawless.

5.0

Rick and his team were great! Communication was top tier and the process was smooth from beginning to end, for a 21 day closing. I am forever grateful!

5.0

Rick is a great person to deal with along with Brenda. We are self employed and he did a great job helping us prove our true income along with navigating all the questions. We recommend them to anyone who is looking to buy a home. Very honest and transparent and extremely knowledgeable of the industry.

5.0

Rick was great. Was available at all times. Answered all our questiones. Kept us informed. Everytime we called he answered. Highly recommend him and his team. Great customer service. Will definitely continue using Rick for any of our future mortgage needs.

5.0

Rick was awesome and was there to answer any questions. Helped and explained anything and everything to make the process go faster.

5.0

Was really great to work with. help me out a lot and am so thankful for that . Thank you for helping me purchase my first house .