Business Details
7 Years
experience
Your Trusted Mortgage Partner in Springfield, TN
Valor Mortgage was founded in February 2019 by a team of mortgage professionals who identified a gap in local banking services during Springfield, Tennessee's growth period. With over 50 years of combined experience in the mortgage industry, we specialize in guiding families through homeownership journeys with personalized loan options and transparent processes. Our team includes seasoned loan officers with 10+ years of experience, including a Nashville native educated at a top Tennessee university.Recognized as a 2019 Best Bank/Mortgage Company finalist in Robertson County, we combine modern tools with expert support to simplify mortgage transactions. Our commitment extends beyond business through community service initiatives like disaster response with Gideon Rescue. We offer VA, FHA, Conventional, and specialized first responder loans with competitive rates and flexible terms tailored to individual financial goals.
Services
VA Loans
FHA Loans
Conventional Loans
First Responder Loans
USDA Loans
Construction Loans
NON QM Loans
Details
- Year established: 2019
Highlights and features
- 50+ years combined experience in mortgage services
- Award-winning service recognized locally in 2019
- Personalized loan options for unique financial situations
- Transparent process with clear communication
- Quick pre-approvals for confident home shopping
Associations and certifications
- NMLS 1249911
- NMLS 1210804
Services
VA Loans
VA loans provide zero down payment options for veterans and active-duty service members. These government-backed loans eliminate private mortgage insurance requirements while offering competitive interest rates. Our specialists guide military families through the unique benefits and documentation requirements of VA loan programs.
FHA Loans
FHA loans assist first-time homebuyers with low down payments and flexible credit requirements. These government-insured mortgages enable low-to-moderate income borrowers to achieve homeownership with reduced financial barriers while maintaining lending security for approved institutions.
Conventional Loans
Conventional loans offer competitive rates for well-qualified buyers without government backing. These mortgages provide flexibility in loan terms and eliminate mortgage insurance requirements with 20% down payments, ideal for borrowers with strong credit profiles and stable income.
First Responder Loans
Exclusive mortgage programs for police, firefighters, and EMTs feature reduced fees and preferential rates. These specialized loans recognize service members' contributions through tailored financial solutions that lower homeownership costs while acknowledging their community service commitments.
Construction Loans
Construction loans finance custom home building projects with specialized disbursement schedules. These short-term mortgages convert to permanent financing upon completion, providing structured funding for land acquisition, materials, and labor throughout the construction process.
People
Christopher Armantrout
Loan Officer
Christopher Armantrout brings 10+ years of mortgage industry experience to Valor Mortgage. A Nashville native educated at Tennessee's top universities, he combines local market knowledge with national lending expertise to serve homebuyers.
Questions
What mortgage loan types do you offer?
We offer VA, FHA, Conventional, USDA, Construction, NON QM, and First Responder loans with competitive rates and flexible terms.
Do you provide refinancing options?
Yes, we offer rate-and-term refinancing, cash-out refinancing, and streamline options to help homeowners lower payments or access equity.
What down payment assistance programs exist?
We offer 0% down payment programs for qualified borrowers through VA loans and other specialized mortgage initiatives.
How does the pre-approval process work?
Our quick pre-approval process requires basic financial information to determine loan eligibility and borrowing capacity before house hunting.
What areas do you service?
We primarily serve Springfield and Nashville, Tennessee, with mortgage solutions tailored to local housing markets.
Can I apply online?
Yes, start your application online and schedule a 15-minute consultation to discuss loan options with our mortgage specialists.
Reviews (7)
Jonathon C.
Nov 30, 2021
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Chris with Valor Mortgage did an excellent job helping us buy a home. He had competitive rates and was always professional. He was also very responsive, which was very appreciated. There was an issue with the seller's title that came up a day before closing, and once the seller got that fixed, Chris and his team were able to adjust the documents and quickly get us through underwriting, so that we could still close on-time.
David Rosen
Jul 31, 2021
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Chris worked with me to make the process smooth from beginning to end. Excellent communication. Immediate responses to any questions. Quickly found a creative solution when an issue came up. (The issue was due to an oversight on my part). Ultimately got me funded very quickly. I will highly recommend Chris / Valor Mortgage to friends & family.
Wade Braun
Jun 20, 2021
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Valor Mortgage was able to get me in to start working on a refinance the same day I inquired. The whole process was smooth and simple. Chris was super helpful and patient explaining all the details. We will definitely be using Valor for any of our future needs.
Jamie Dean
Apr 20, 2021
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Chris and his team at Valor Mortgage made our refinance experience so simple and easy. They definitely understood the demands on our time and our busy work schedule and made coordinating our refinance an easy experience. We were able to lock in our rate and get our deal wrapped up in what felt like no time at all. I would highly recommend this business to anyone looking for a lender!
Kate Estella Walter
Apr 08, 2021
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Chris was very helpful with our home refinance. He explained the process clearly, answered questions quickly, and I felt very comfortable doing business with him.
Justyn Emmons
Mar 16, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Valor Mortgage is the place the go! Chris helped make the whole process easy to understand and he explained everything I could have needed to know. He has my complete trust and a loyal customer! We had our financing for our new home completely done and cleared to close in 16 days!!
Valor Mortgage is the place the go! Chris helped make the whole process easy to understand and he explained everything I could have needed to know. He has my complete trust and a loyal customer! We had our financing for our new home completely done and cleared to close in 16 days!!
Jake Burton
Mar 02, 2021
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Chris was so great to work with!! We had already started talking to someone about refinancing, but decided to talk to Chris to see if he could get anything different. Not only did he get us a better rate, but cheaper closing costs, and more money out at closing!! Very highly recommended!!
