Your VA Home Loan,
Handled With Honor.
I'm Nathan Valdez — Navy veteran, Texas Army National Guardsman, and Branch Manager of Valor Mortgage Group. I close VA purchases in 14 business days and IRRRLs in 7. Zero fluff. Straight service.
A Broker Who Fights For You — Not The Bank.
As an independent mortgage broker, I shop wholesale rates across dozens of lenders instead of pushing one bank's product. Combined with a military-trained team of 18 loan officers, that's how we hit closing timelines retail lenders can't touch.
Streamlined refinance. No appraisal in most cases. No income re-verification.
Full VA purchase closings that make listing agents actually respect your offer.
Land, construction, and permanent financing wrapped into one VA loan.
What You Earned, Explained Straight.
$0 Down Payment
100% financing on the full purchase price. Keep your savings for what matters.
No PMI. Ever.
Skip the private mortgage insurance every civilian loan requires under 20% down.
Competitive VA Rates
VA loans consistently price below conventional and FHA — a benefit you earned.
Seller-Paid Closing Costs
Structure your offer with seller concessions to cover title, escrow, prepaids and more.
Funding Fee Exempt at 10%+ VA Disability
Rated 10% or higher? The VA funding fee is waived. Not rated yet? We'll help you file intent before closing so it's refunded after approval.
Reusable Benefit
Use it, restore it, and use it again. Your VA entitlement follows you for life.
$0 down still means closing costs — here's how we cover them.
- Title fees, escrow, prepaid taxes & insurance — every loan has them.
- We structure seller concessions into your offer to cover them.
- Texas & other states: 100% property tax exemption at 100% VA disability.
- No VA disability yet? File "intent to file" — funding fee refunded after approval.
Lower Your Rate.
In A Week. No BS.
The Interest Rate Reduction Refinance Loan (IRRRL) is the fastest, cheapest refinance in the country — built exclusively for existing VA borrowers.
- No appraisal required in most cases
- No income or employment re-verification
- No out-of-pocket costs — roll into the loan
- Reduced 0.5% funding fee
- My average IRRRL closes in 7 days. Fastest: 3.
Build The Home You Deserve — With One Loan.
Land, construction, and permanent VA financing wrapped into a single closing. Own land already? We refinance it into the deal. Don't? We finance the purchase too.
4–6% seller concessions.
$0 out of pocket. Cash back at close.
Our partnered new-build communities are aggressively incentivizing veterans. We deploy those concessions to buy down your rate, cover closing costs, and pay off monthly debts — often putting money back in your pocket at closing.
Valor Resource Group — Free for every veteran.
I founded Valor Resource Group to make sure my military family gets every benefit they earned — not just the VA loan. Disability filing, education, healthcare, career, state benefits. All in one place. All free.
Trusted By The Military Community.
"Closed my IRRRL in 6 days flat. Nate knows the VA product cold and treats you like family. Won't use anyone else."
"First-time buyer using our VA loan. Nate walked us through every step, negotiated $12k in seller concessions, and we closed early. Zero out of pocket."
"Built our custom home with the One-Time Close. No monthly payments during construction was a game-changer. Highest recommendation."
Ready When You Are.
15-minute call. No pressure. Get straight answers about your VA loan, budget, and timeline from someone who's been in the boots.