Valerie Franklin/ Mortgage Loan Advisor, Nmls:1493325

Call Directions Website

Valerie Franklin/ Mortgage Loan Advisor, 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.

Before you give up on the house, imagine what a renovation could change. 🏡🍂 If financing is part of your plan, let’s tal...
11/04/2026

Before you give up on the house, imagine what a renovation could change. 🏡🍂 If financing is part of your plan, let’s talk through possible options—and what fits your goals.

Valerie Franklin | NMLS #1493325
Guild Mortgage Company | NMLS #3274
304-283-4285 | MyLoansWithVal.com
Equal Housing Opportunity
guildmortgage.com/licensing

All loans subject to underwriter approval. Terms and conditions apply.



The right neighborhood. A backyard you adore. A kitchen that… needs some help. 🔨🍂The house you could fall in love with m...
11/04/2026

The right neighborhood. A backyard you adore. A kitchen that… needs some help. 🔨🍂

The house you could fall in love with might just need a little love first. Let’s explore whether a renovation purchase loan could fit your plans. 🏡🧡

Valerie Franklin | NMLS #1493325
Guild Mortgage Company | NMLS #3274
304-283-4285 | MyLoansWithVal.com
Equal Housing Opportunity
guildmortgage.com/licensing

Subject to credit and property approval. Program and renovation eligibility requirements apply.


You paid earnest money after your offer was accepted. Where does it go? 🏡Earnest money is a deposit made under your purc...
11/03/2026

You paid earnest money after your offer was accepted. Where does it go? 🏡

Earnest money is a deposit made under your purchase contract to show you intend to buy the home. It’s held by the party named in that contract, often a title company or real estate brokerage.

If you close, the deposit is accounted for as money you’ve already paid. It generally reduces the additional amount you need to bring to closing; it doesn’t become an extra charge. Look for the “Deposit” line in the Calculating Cash to Close section of your Loan Estimate, then check it again on your Closing Disclosure.

If the sale doesn’t close, whether you receive the deposit back depends on the contract, its deadlines and contingencies, and the reason the sale ended. Don’t assume it’s automatically refundable.

I’m happy to walk through the numbers with you so you know what you’ve paid and what’s still due. No pressure. No judgment. Just clarity.

📞 304-283-4285
🌐 MyLoansWithVal.com

Valerie Franklin | NMLS #1493325
Guild Mortgage Company LLC; NMLS #3274. Equal Housing Opportunity. All loans subject to qualification and approval. Terms and conditions may apply. This is not a commitment to lend. guildmortgage.com/licensing

Your voice. Your choice. Your vote. 🇺🇸 Make time to show up for the community you call home. Get out and vote—your voice...
11/03/2026

Your voice. Your choice. Your vote. 🇺🇸 Make time to show up for the community you call home. Get out and vote—your voice matters! 🗳️

Keys delivered. Candy collected. Cape still on. 🦸‍♀️🔑Closing day isn’t goodbye! Have a question about your mortgage late...
11/02/2026

Keys delivered. Candy collected. Cape still on. 🦸‍♀️🔑

Closing day isn’t goodbye! Have a question about your mortgage later—or thinking about your next move? I’m still just a call or text away.

Big mortgage ads get attention—but the details deserve attention, too. 👀🏡Before you jump at “we’ll cover your down payme...
11/01/2026

Big mortgage ads get attention—but the details deserve attention, too. 👀🏡

Before you jump at “we’ll cover your down payment,” ask: Is it a grant or a second mortgage? Does it require repayment? If it’s forgivable, what conditions apply?

At Guild, we offer down payment assistance options that may include repayable or forgivable second mortgages, plus grant opportunities for eligible buyers.

You don’t have to navigate the fine print alone. Give me, your local lender, a call. We’ll explore what you may qualify for and talk through the costs, requirements, and options—no pressure, no judgments.

Valerie Franklin | Mortgage Loan Advisor
📞 304-283-4285
NMLS #1493325 | Guild Mortgage Company, NMLS #3274
www.nmlsconsumeraccess.org
Equal Housing Opportunity
Licensing: https://www.guildmortgage.com/licensing/

All loans subject to credit and underwriting approval. Program eligibility, availability, and terms vary by location and borrower qualifications and are subject to change. Assistance may require repayment; forgiveness is subject to program conditions. Closing costs and other funds may still be required.

Turning back the clocks… keeping the memories. 🕰️🌼💛An extra hour of sleep? Lovely.Will our pets respect it? Absolutely n...
11/01/2026

Turning back the clocks… keeping the memories. 🕰️🌼💛

An extra hour of sleep? Lovely.
Will our pets respect it? Absolutely not. 😂🐾

As Día de los Mu***os begins, we honor loved ones whose stories, laughter, and love stay with us—no matter what the clock says.

Fall back one hour. Hold your memories close. 🧡

***os

🎃 TONIGHT’S THE NIGHT!Some little ghosts and goblins may have made their rounds last night, but tonight is Halloween its...
10/31/2026

🎃 TONIGHT’S THE NIGHT!

Some little ghosts and goblins may have made their rounds last night, but tonight is Halloween itself—and plenty more trick-or-treaters will be heading toward those glowing porch lights. 👻

Have the candy ready, keep the walkway clear, bring the pets safely inside and watch carefully while driving.

Most importantly, keep an eye on those upstairs windows…

You never know who—or what—might be watching the trick-or-treaters. 👀

Happy Halloween! Bwahahaha! 🎃👻


👻 FREAKY FRIDAY: THE WOMAN IN THE WINDOWHigh above Lower Town stands Harper House—the oldest surviving building in Harpe...
10/30/2026

👻 FREAKY FRIDAY: THE WOMAN IN THE WINDOW

High above Lower Town stands Harper House—the oldest surviving building in Harpers Ferry.

Town founder Robert Harper began constructing the stone home in 1775. It was finally completed in 1782, but Harper died that same year and never lived inside it.

Then comes the ghost story…

According to local legend, Rachel Harper secretly buried jars containing the family’s money somewhere in the garden. She reportedly died after falling from a ladder—taking the location of the hidden treasure with her.

Over the years, people have claimed to see a woman dressed in 1700s clothing standing at an upstairs window, silently staring toward the garden below.

Some believe it is Rachel, still watching over the fortune she never revealed.

Here’s the especially strange part: historical records suggest Rachel may never have lived in the completed house either.

So who—or what—is watching from the window? 😳

Keep an eye on those upstairs windows tonight, trick-or-treaters. You never know who might be looking back… 👀

Happy Halloween! Bwahahaha! 🎃👻

Happy National Cat Day! 🐾🐈 A house feels a little more like home with a purr, a few whiskers, and a cat who thinks they ...
10/29/2026

Happy National Cat Day! 🐾🐈 A house feels a little more like home with a purr, a few whiskers, and a cat who thinks they own the place. 😹🏡

Thinking of adding a furry family member? Visit your local shelter—your new best friend could be waiting. ❤️

📸 Show us your feline family in the comments, and tag your favorite shelter or rescue to help more cats find loving homes!

Address

101 S. Queen Street Suites 219, 220, 221
Martinsburg, WV
25401

Alerts

Be the first to know and let us send you an email when Valerie Franklin/ Mortgage Loan Advisor, Nmls:1493325 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Share

Nearby finance companies