Valerie Franklin/ Mortgage Originator, Nmls:1493325

Valerie Franklin/ Mortgage Originator, Nmls:1493325 Valerie is a WV native and Mortgage Loan Originator with 10+ years’ experience, is known for clear, judgment-free guidance.

Clients praise her responsiveness and ability to explain complex mortgage options in a way that feels approachable and empowering. Valerie Franklin is a seasoned Mortgage Loan Originator with over a decade of experience helping individuals and families navigate the home financing process. A proud West Virginia native, Valerie combines local expertise with a personalized approach, offering clear, straightforward guidance every step of the way. Known for her responsiveness, patience, and ability to explain complex mortgage options in an approachable manner, Valerie is committed to making each client feel informed, supported, and empowered. Whether working with a first-time homebuyer, a homeowner looking to refinance their mortgage, or someone exploring home loan options, she ensures the process is smooth and stress-free. Clients appreciate that Valerie is just a call or text away—always available to provide clarity, answer questions, and offer expert advice. Her genuine care and deep understanding of the mortgage process have earned her a trusted reputation in the industry. Outside of her professional life, Valerie is a devoted mother of four who finds joy in art, travel, plants, and new experiences. She believes that every journey—whether it’s buying a home or exploring a new destination—should be filled with discovery, connection, and possibility. Contact Valerie Franklin today to begin your homeownership journey with confidence and a reliable mortgage expert by your side.

In need of funds but can't wait too long? Your home's equity could help. Guild's new fixed-rate HELOC can turn equity in...
09/19/2026

In need of funds but can't wait too long? Your home's equity could help. Guild's new fixed-rate HELOC can turn equity into cash in as little as five business days-all without refinancing! You'll receive your entire line of credit amount upfront as a lump sum. Get in touch to learn more!

09/18/2026

This week's rate hike is really an inflation story.

The Fed increased rates by 0.25% as it continues working to cool inflation. For housing, the key takeaway is that mortgage rates aren't set by the Fed, but by the markets reacting to economic conditions.

One decision. Multiple ripple effects. Plenty to watch in the weeks ahead.

Think you need a large down payment before you can buy a home? You may have more options than you realize. 🏡💙Qualified b...
09/17/2026

Think you need a large down payment before you can buy a home? You may have more options than you realize. 🏡💙
Qualified buyers may have access to:
🔑 VA and USDA loans with no down payment
🔑 Conventional or FHA financing paired with eligible down-payment assistance
Some assistance programs may cover the required down payment—and certain programs can also help with closing costs.
One important distinction: zero down doesn’t always mean zero cash needed at closing. Inspections, earnest money, closing costs, reserves, and other expenses may still apply depending on the loan and assistance program.
Don’t disqualify yourself before exploring what may be available. Let’s look at your situation and create a plan.
Did you know zero-down options still existed? 👇
Programs are subject to borrower, property, income, credit, occupancy, and geographic eligibility requirements. Not a commitment to lend. All loans are subject to underwriter approval.

Your first home doesn’t have to be your forever home—but it may be more than a quick stop along the way. 🏡A starter home...
09/16/2026

Your first home doesn’t have to be your forever home—but it may be more than a quick stop along the way. 🏡

A starter home is commonly owned for approximately 5–7 years, while the typical person who sold a home in 2025 had owned it for 11 years.

That’s time to settle in, make memories, and potentially build equity that can help you take your next step.

The goal isn’t to find a home that checks every box forever. It’s to find one that fits your life and budget now—while helping you build toward what comes next. 💙

How long did you stay in your first home?

🔑 3 years or less
🏡 4–7 years
❤️ 8–10 years
🌳 11+ years
🙌 I’m still living there!

💜 September is Su***de Prevention & Awareness Month.Sometimes the people who seem the strongest are carrying battles we ...
09/15/2026

💜 September is Su***de Prevention & Awareness Month.

Sometimes the people who seem the strongest are carrying battles we cannot see. A sincere conversation, a listening ear, or simply asking “Are you really okay?” can make a difference.

If you’re struggling, please know this: You matter. Your life has value. And you do not have to face this alone.

Call or text 988 to reach the Su***de & Crisis Lifeline—free, confidential support is available 24/7.

Check on your people. Listen without judgment. Remind them they are loved. 💜

***dePreventionMonth ***deAwareness

Your first home doesn’t have to be perfect—it just needs to be the right first step. 🏡💙It may not have every feature on ...
09/14/2026

Your first home doesn’t have to be perfect—it just needs to be the right first step. 🏡💙

It may not have every feature on your wish list, but it can give you a place of your own, an opportunity to build equity, and a path toward the home you’re dreaming about.

Start where you are. Build from there.

What’s the ONE thing your first home absolutely must have? 👇

❤️ Happy Grandparents Day! ❤️There’s nothing quite like the love between a grandparent and grandchild—the snuggles, the ...
09/13/2026

❤️ Happy Grandparents Day! ❤️

There’s nothing quite like the love between a grandparent and grandchild—the snuggles, the laughter, the little traditions, and the memories we hope they’ll carry forever.

Being a grandparent is truly one of life’s greatest gifts. ❤️

Whether your grandparents are still here to celebrate or live on through the love and lessons they left behind, today is a beautiful day to honor them.

Share a favorite photo or memory of your grandparents—or your grandchildren—in the comments! 👇


09/12/2026

Home isn’t just where you live—it’s where you get to be YOU. 💙🏡 Your style. Your pets. Your porch. Your safe space. What matters most to you? 👇

Sometimes what matters most isn’t something you can put on a home search. 🏡💙It’s having a place where you can close the ...
09/12/2026

Sometimes what matters most isn’t something you can put on a home search. 🏡💙

It’s having a place where you can close the door, exhale, and just be you.

Your peace. Your space. Your safe place.

What makes a house feel like HOME to you? 👇

Address

Martinsburg, WV

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