Your Lender, Kristen Johnson NMLS# 1593894

02/20/2026

Whether you’re looking to plant roots in Colorado or chasing sunshine in Florida, I’ve got your lending needs covered 🏠

Let’s talk about your homeownership goals & real estate dreams over a cup of coffee ☕️ {realistically or figuratively 😉}

Your path to home starts with the right plan

DM me to get started. Let’s connect!

09/27/2025

2025 Loan Limits announced! 📣
We are here and ready to serve! 🤝🏡👩‍💻

09/17/2025

Good news in the financial markets today! 📰 It finally happened - The Fed approved a widely anticipated rate cut and lowered the benchmark overnight lending rate by .25% and signaled that two more are on the way before the end of the year! 🙌🏼⬇️📉
Mortgage interest rates have already been improving ahead of this anticipated announcement, but now is the time to really watch 👀 the market as things go and get with a dedicated lender if you’re in the market to buy or waiting for the right time to refinance your home. And if you’ve been waiting for the time to buy —- Get Off The Fence !
My team and I would be happy to guide you with your home financing path.
I can assist you in 47 states.🏡🇺🇸

09/17/2025

Attention Buyers 📢
Special Financing Incentives available on this amazing 40 acres in Peyton, CO
🐎 🐓 🐖 🏡

09/05/2025

📣 The August Jobs Report has been released - here is what it’s all about for mortgage interest rates:

The labor market is weaker than many had anticipated -
• 💼 22,000 jobs created which is significantly below the consensus forecast of 75,000
• The unemployment rate increased from 4.2% to 4.3%⬆️
• The revisions for the previous 2 months resulted in a net loss of 21,000 fewer jobs than originally reported. July’s payroll growth is now reported as a negative number. 📊

➡️ The 10-year Treasury yield = 4.07% This is a level have not seen since April. There is a real change it will break below 4%, then we could really see more movement for lower interest rates.📉

🔈 The Fed needs to cut - the discussion now is what the Fed will do at their next meeting — and will a 0.25% cut be enough?
** The Fed cutting the Fed funds rate does not directly impact mortgage interest rates, however this all is tied in and affects the bond market which does have a direct correlation with mortgage rates.

‼️ TRANSLATION: This may start the wave of lower interest rates that we all are waiting for. Buyers get off the fence ahead of the game, sellers stay alert. Those waiting to refinance- get ready.

Reach me today for your best financing move 🏡

Your Lender, Kristen Johnson NMLS # 1593894 - Valor Home Loans

02/06/2025

11/28/2024

This Thanksgiving I would like to express the gratitude my team and I have for the trust our clients place in us for one of life’s biggest decisions - your home 🏡
It’s something I never take for granted. Wishing you a warm holiday filled with family, friends, and all the comforts of home. Happy Thanksgiving from our family to yours! 🧡

11/07/2024

Very grateful to be a part of my client’s home purchase and refinance journeys! Thank you Keri! 🏡 It’s so important to have a lender on your side that will confidently guide you through the process, that has your best interests and financial goals at heart. Equally important is the team that supports those efforts - it takes a competent village! 🤝 And that is what my team and I have here at Valor Home Loans.
Reach out to see the difference, happy to serve you and your clients.
📱 714-425-8444
📧 [email protected]

10/25/2024

Reviews like this for me and my team really makes my world 🌎 go round!
Extremely grateful and honored to be a part of my client’s largest and most import purchase they will ever make.🏡

10/16/2024

Offering the Heroes Advantage incentive is just another way that my team and I at Valor Home Loans gives back to our military personnel, law enforcement, medical professionals, educators, and first responders. These savings can be realized either in the interest rate or as a credit towards the buyer’s closing costs.
I offer this to all buyers that are in these professions, no matter the loan type. In fact it’s even required to in my contract, and I wouldn’t have it any other way. 🙂
Do business with a lender that you can trust to always have you in good hands.

10/03/2024

Grateful for all the new homeowners that I had the pleasure to be a part of their home purchase journey. And grateful for my refinance clients equally as much!
Extremely grateful for my realtor partners that trust me with their clients, it means the world! Your trust and partership with me and my team means everything to my business. 🤝🏡🙏🏼
Do what you love. Do it with love.
Treat your people right.
And having a rockstar of a solid team behind me definitely doesn’t hurt one bit!😃

09/25/2024

Now is the time! 🏡
Let’s get you preapproved in September ✅ go under contract in October 🙌🏼 close on your home in November and first payment won’t be due until 2025 🎉 Host your holiday dinner at your new 🏡