Nancy Pacheco - Valor Home Lending

Nancy Pacheco - Valor Home Lending Valor Home Lending offers tailored mortgage solutions for veterans, first-time buyers, and investors. Licensed in Texas and ready to serve!

With integrity and transparency, we support clients through the homeownership journey, making it achievable for everyone. Owner of Valor Home Lending LLC, proudly offering tailored home loan solutions under the Valor brand. My mortgage industry journey began in 2011, and I’ve built this company to provide personalized options for homeowners, especially Veterans and the Central Texas community. Bor

n and raised in Corpus Christi, TX, I earned my degree in Accounting and now call Killeen, TX, home. I’m blessed to share life with my husband Ricardo, a retired Army veteran, and our five amazing children: Camilla, Briella, Argenys, Max, and Ricardo. From starting as a loan officer assistant to becoming a Loan Officer and contributing to Aligned Mortgage’s growth in Killeen, my passion has always been about empowering families with knowledge and confidence to achieve homeownership. This office is licensed and examined by the Office of the Consumer Credit Commissioner of the State of Texas" to the profile.CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV

A proud moment for Killeen! Texas First Lady Cecilia Abbott visited the city Wednesday morning to celebrate Killeen offi...
05/28/2026

A proud moment for Killeen! Texas First Lady Cecilia Abbott visited the city Wednesday morning to celebrate Killeen officially receiving the highly sought-after Main Street designation from the Texas Historical Commission. This achievement marks an exciting step forward for downtown revitalization, historic preservation, and the future of our community. 🎉🏛️

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05/25/2026

Today we remember the heroes who never made it home. 🇺🇸

Each pair of boots represents a life sacrificed, a family forever changed, and a legacy that will never be forgotten. They fought with courage, served with honor, and gave everything for the freedom we hold close today.

This Memorial Day, we stand in gratitude for the brave men and women who paid the ultimate price. May we never forget their sacrifice, their service, and the empty boots left behind.

Gone, but never forgotten. ❤️🤍💙

Feeling blessed
05/23/2026

Feeling blessed

05/21/2026

🏡 INVESTORS: KNOW THE DIFFERENCE 👇

💰 Seller Concessions on Investment Properties

✅ Conventional Investment Loan
➡️ Max seller concession: 2%

✅ DSCR Loan
➡️ Seller concessions can go up to 6%*

📊 Example on a $300K property:
• Conventional = up to $6,000
• DSCR = up to $18,000

That’s a potential difference of $12,000 in seller-paid closing costs 🤯

🔥 More concessions can mean:
✔️ Less cash out of pocket
✔️ More reserves for your next investment
✔️ Better leverage for scaling your portfolio

📩 Want to see if a DSCR loan is the right fit for your next rental property? Let’s talk!

05/19/2026

“Real estate investors… did you know you can buy investment properties WITHOUT using your tax returns? 👀💰”

🏡 Conventional loans qualify YOU.
📈 DSCR loans qualify the PROPERTY.

With a DSCR Loan, lenders focus on the rental income from the property instead of your personal income.

✅ No tax returns
✅ No W-2s
✅ No pay stubs
✅ Great for self-employed investors
✅ Perfect for growing your rental portfolio

If the property cash flows… you may qualify. 💵

Whether you’re buying your first rental or scaling your investments, Valor Home Lending can help you explore your options.

📲 Ready to invest smarter? Let’s connect today!

🔗 https://linktr.ee/Valor_Home_Lending

05/15/2026

Happy Friyay!

05/13/2026

Address

222 E Avenue C
Killeen, TX
76541

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

http://valoaneducator.tv/nancypacheco-820800

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