Nancy Pacheco - Valor Home Lending

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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 and Mortgage Broker of Valor Home Lending LLC, proudly providing personalized home loan solutions throughout Texas. My mortgage journey began in 2011, and over the years, I’ve remained passionate about helping families understand their options and approach homeownership with knowledge and confidence. I’m especially honored to serve Veterans, first-time homebuyers, investors, and families throughout Central Texas. Born and raised in Corpus Christi, Texas, I earned my degree in Accounting and now proudly call Killeen home. I’m blessed to share life with my husband, Ricardo, a retired U.S. Army Veteran, and our five amazing children: Camilla, Briella, Argenys, Max, and Ricardo. I began my career as a Loan Officer Assistant before becoming a Loan Officer and later contributing to the growth of Aligned Mortgage in Killeen. Those experiences helped shape the vision behind Valor Home Lending: educate first, provide personalized solutions, and make sure our clients understand the mortgage process—not simply complete a transaction. Valor Home Lending LLC | Company NMLS #2616282
Nancy Pacheco, Mortgage Broker | Owner | NMLS #820800
www.valorhomelending.net

Getting our morning started with a little caffeine. Today is Fridays Eve. Go enjoy the nice weather outside.
10/15/2026

Getting our morning started with a little caffeine.

Today is Fridays Eve. Go enjoy the nice weather outside.

GREAT NEWS FOR FHA & VA HOMEBUYERS!Better Mortgage Pricing. More Opportunities!For a limited time, borrowers with credit...
10/14/2026

GREAT NEWS FOR FHA & VA HOMEBUYERS!

Better Mortgage Pricing. More Opportunities!

For a limited time, borrowers with credit scores of 580+ may benefit from improved FHA and VA loan pricing through December 31, 2026!

✅ Potentially lower borrowing costs
✅ More affordable financing options
✅ More opportunities for homeownership

Veterans & Future Homeowners: Your credit score doesn't have to stop you from exploring your options!

At Valor Home Lending, we educate, guide, and help you find the right mortgage strategy!

📞 512-955-8801
🔗 https://linktr.ee/Valor_Home_Lending

Your Loan. Your Strategy. Your Victory.

Equal Housing Lender
Valor Home Lending | NMLS #2616282
Nancy Pacheco | NMLS #820800

"Limited-time lender pricing incentive. Subject to eligibility, lender guidelines, and credit approval. Terms may vary."

VA LOAN CREDIT SCORE MYTHhttps://youtube.com/shorts/mjjNirM-CyU?si=QpZYzJpJC9rdWhcB📞 512.955.8801Company NMLS #2616282N...
10/13/2026

VA LOAN CREDIT SCORE MYTH

https://youtube.com/shorts/mjjNirM-CyU?si=QpZYzJpJC9rdWhcB

📞 512.955.8801

Company NMLS #2616282
Nancy Pacheco NMLS #820800
Equal Housing Lender

Subject to VA eligibility, entitlement, property, credit, income, and lender requirements.

When using your VA loan, it is important to know you don't need per...

Enjoying this beautiful view while sharpening our knowledge! 🌄🏡At Valor Home Lending, we believe the more we learn, the ...
10/07/2026

Enjoying this beautiful view while sharpening our knowledge! 🌄🏡

At Valor Home Lending, we believe the more we learn, the better we can serve our clients and referral partners.

We were diving deeper into:
🏠 HELOCs — helping homeowners understand how they can access their equity
📈 DSCR loans — more financing options for real estate investors
📋 The new appraisal process — and as a bonus, getting a better understanding of the changes and what they mean for our clients

Beautiful view, valuable knowledge, and more tools to help the people we serve.

Your Mission. Your Home. Our Honor to Serve. 🇺🇸

10/05/2026
Sometimes growth means having the courage to re-align while the opportunity still exists. 💗Looking back at where I start...
10/02/2026

Sometimes growth means having the courage to re-align while the opportunity still exists. 💗

Looking back at where I started reminds me that every chapter has a purpose. The experiences, relationships, lessons, and challenges along the way have all helped shape the person and mortgage professional I am today.

To my younger self: it’s never too late to start a new chapter.

Today, I’m grateful to continue growing through Valor Home Lending building something rooted in education, transparency, relationships, and helping families understand their path to homeownership.

Keep learning. Keep growing. Keep believing that the next chapter may be your best one yet. 🏡✨

Nancy Pacheco
Mortgage Broker | Owner
NMLS #820800
Valor Home Lending LLC | Company NMLS #2616282
🔗 https://linktr.ee/Valor_Home_Lending
Equal Housing Lender

Here visiting with the infamous Ken Baskerville of The Baskerville Group.
09/30/2026

Here visiting with the infamous Ken Baskerville of The Baskerville Group.

Downtown Killeen Fall Market coming soon!
09/24/2026

Downtown Killeen Fall Market coming soon!

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

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