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

06/24/2026

🚀 BIG NEWS! Our New Website is Live! 🎉

We are excited to officially announce the launch of the brand-new Valor Home Lending website!

🌐 Visit us today: https://valorhomelending.net/

Our goal has always been to make the mortgage process simple, transparent, and accessible for homebuyers, homeowners, veterans, and real estate investors. Our new website is designed to provide a better experience, valuable resources, and an easier way to connect with our team.

A special THANK YOU goes to Elijah Timarky, Founder of Timarky Consulting Group, LLC, for not only bringing our vision to life but for completely exceeding our expectations throughout this project. Your professionalism, creativity, attention to detail, and dedication made this launch possible, and we couldn't be happier with the result. We truly appreciate your hard work and partnership!

If your business is looking for website development, branding, consulting, or digital solutions, we highly recommend reaching out to Elijah:

📧 [email protected]
📞 (254) 371-3874
🌐 timarkyconsultinggroup.com

Take a look and let us know what you think! 👇

🌐 https://valorhomelending.net/

🎉🏡 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗛𝗼𝗺𝗲! 🏡🎉Congratulations and welcome to your new home! We are so excited for you as you begin this new chapter...
06/12/2026

🎉🏡 𝗪𝗲𝗹𝗰𝗼𝗺𝗲 𝗛𝗼𝗺𝗲! 🏡🎉

Congratulations and welcome to your new home! We are so excited for you as you begin this new chapter. Buying a home is a journey, and your patience, perseverance, and trust throughout the process made all the difference. In the end, everything came together exactly as it was meant to!

We wish you many years of happiness, laughter, and unforgettable memories in your beautiful new home. May every room be filled with love, joy, and countless special moments with family and friends. ❤️

A very special thank you to 𝗖𝗮𝘁𝗵𝗲𝗿𝗶𝗻𝗲 𝗛𝗲𝗿𝗿𝗲𝗿𝗮 for her dedication, professionalism, and partnership throughout this transaction. Your commitment to your client is a perfect example that 𝘁𝗲𝗮𝗺𝘄𝗼𝗿𝗸 𝘁𝗿𝘂𝗹𝘆 𝗺𝗮𝗸𝗲𝘀 𝘁𝗵𝗲 𝗱𝗿𝗲𝗮𝗺 𝘄𝗼𝗿𝗸! 🤝✨

Thank you for allowing Valor Home Lending to be part of this exciting milestone. It was an honor to help make your homeownership dream a reality!

🏠🎉

🌮🎉 Supporting More Than a Small Business—Supporting Family, Dreams, and Success! 🎉🌮Today we had the honor of celebrating...
06/12/2026

🌮🎉 Supporting More Than a Small Business—Supporting Family, Dreams, and Success! 🎉🌮

Today we had the honor of celebrating the grand opening of Taco Patrón's newer and bigger food truck, a local small business owned by one of our past clients. Seeing their vision come to life is exactly why we love what we do.

At Valor Home Lending, our relationships don't end at the closing table. When you work with us, you're never just a transaction—you become part of our community. We celebrate your milestones, support your goals, and cheer for your success long after the loan is funded.

There's something special about helping people achieve homeownership and then watching them continue to build businesses, create opportunities, and strengthen our local community.

Congratulations to Taco Patrón on this exciting new chapter! We're proud to support local entrepreneurs and grateful to be part of their journey.

If you're looking for great food and want to support a local business, be sure to check them out! 🌮❤️

🏡 GET PRE-APPROVED BEFORE YOU SHOP! 🏡Thinking about buying a home in Texas? A pre-approval gives you a competitive advan...
06/11/2026

🏡 GET PRE-APPROVED BEFORE YOU SHOP! 🏡

Thinking about buying a home in Texas? A pre-approval gives you a competitive advantage and helps you shop with confidence. Unlike a simple prequalification, a pre-approval involves a more detailed review of your finances, giving sellers and real estate agents confidence that you're a serious buyer.

✅ Know your buying power
✅ Strengthen your offer
✅ Move faster when you find the right home
✅ Avoid surprises during the mortgage process

At Valor Home Lending, we're here to guide you every step of the way and help make your homeownership goals a reality.

📞 Call us today: (512) 955-8801
📍 222 E Ave C, Killeen, TX 76541
🔗 Start your application or learn more: https://linktr.ee/valorhomelending
Company NMLS 2616282 / Nancy Pacheco NMLS 820800

🏡✨ At Valor Home Lending, we're committed to our clients every step of the way! ✨🏡A mortgage is more than just a loan—it...
06/10/2026

🏡✨ At Valor Home Lending, we're committed to our clients every step of the way! ✨🏡

A mortgage is more than just a loan—it's a journey toward homeownership, and we take that responsibility seriously. That's why we work hard to provide clear communication, expert guidance, and efficient service from application to closing.

🎉 We're proud to celebrate another 1-Day Approval through our lending partners! While every loan is unique and approval timelines may vary, this achievement reflects our commitment to helping our clients move forward as quickly and smoothly as possible.

Whether you're a first-time homebuyer, veteran, investor, or looking to refinance, our team is here to serve you with transparency, respect, and care.

📞 Ready to start your home financing journey? Contact us today!

📲 (512) 955-8801
🔗 Linktree: https://linktr.ee/valorhomelending

Company NMLS #2616282
Nancy Pacheco NMLS #820800

📚 At Valor Home Lending, We Believe Education Comes First.Did you know that VA appraisal fees increased in Texas as of M...
06/10/2026

📚 At Valor Home Lending, We Believe Education Comes First.

Did you know that VA appraisal fees increased in Texas as of May 2026?

While fee changes and market updates are important, what matters most is understanding how they impact your homebuying journey.

At Valor Home Lending, we're not in business just to close loans. We're in business to educate, guide, and empower our clients so they can make confident decisions every step of the way.

Whether you're a first-time homebuyer, veteran, active-duty service member, or real estate investor, our goal is to help you understand:

✅ Your loan options
✅ Current market changes
✅ Costs and fees involved
✅ Strategies to achieve your homeownership goals
✅ How to build long-term wealth through real estate

Because buying a home isn't just a transaction—it's one of the biggest financial decisions you'll ever make.

When you work with Valor Home Lending, you'll have a team committed to answering questions, providing honest guidance, and helping you find the mortgage solution that best fits your needs.

📞 Call or Text: (512) 955-8801
🌐 Learn More & Connect With Us: https://linktr.ee/valorhomelending

Serve with Valor. Finance with Confidence.

🏘️ Investors: Did You Know? DSCR Loans Qualify the Property, Not Your Personal Income.If you're looking to grow your rea...
06/10/2026

🏘️ Investors: Did You Know? DSCR Loans Qualify the Property, Not Your Personal Income.

If you're looking to grow your real estate portfolio, a DSCR (Debt Service Coverage Ratio) loan could be the financing solution you've been searching for.

Instead of focusing on tax returns, W-2s, or traditional income verification, DSCR loans primarily evaluate whether the property's rental income can cover its mortgage payment.

📊 Simple Formula:

DSCR = Property Rental Income ÷ Property Debt Payment

✅ Ideal for rental property investors
✅ No traditional income documentation required in many cases
✅ Short-term and long-term rental options available
✅ Great for expanding your portfolio faster
✅ Financing available for both new and experienced investors

Credit Score Note:
While scores as low as 620 may qualify, stronger credit profiles typically receive better rates and terms.

At Valor Home Lending, we help investors access competitive DSCR loan options through our network of lenders, making it easier to finance investment properties and build long-term wealth through real estate.

📞 Ready to see if your next investment property qualifies?

Contact Valor Home Lending today for a personalized DSCR loan review.

📱 (512) 955-8801
🔗 Linktree: https://linktr.ee/valorhomelending

Company NMLS #2616282
Nancy Pacheco NMLS #820800

Equal Housing Opportunity. Not all borrowers will qualify. Terms and conditions apply.

🎉 Clear to Close → FHA Purchase Success! 🏡Another FHA homebuyer is officially CLEAR TO CLOSE! 🎊This milestone is more th...
06/10/2026

🎉 Clear to Close → FHA Purchase Success! 🏡

Another FHA homebuyer is officially CLEAR TO CLOSE! 🎊

This milestone is more than just paperwork—it’s the result of teamwork, communication, and staying connected throughout the entire homebuying journey.

At Valor Home Lending, we believe that great mortgage service doesn't stop after the application is submitted. We keep our clients informed, educated, and supported every step of the way because buying a home should feel exciting—not overwhelming.

💡 How we nurture our clients:
✅ Regular loan updates
✅ Clear communication from start to finish
✅ Guidance through every milestone
✅ Fast responses to questions and concerns
✅ A personalized experience focused on your goals

For FHA buyers, having a lending team that communicates proactively can make all the difference in creating a smooth path to homeownership.

Congratulations to our homebuyer on reaching this exciting milestone! We can't wait to celebrate at the closing table. 🔑🏠

Thinking about buying a home with an FHA loan? Let's talk about your options and create a game plan for your homeownership journey.

📞 (512) 955-8801
📍 222 E Ave C, Killeen, TX 76541
🔗 https://linktr.ee/valorhomelending

Company NMLS 2616282 / Nancy Pacheco NMLS 820800

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

, ,

Alerts

Be the first to know and let us send you an email when Nancy Pacheco - Valor Home Lending posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category