I am the Owner of Valor Home Mortgage, Inc. and have been working in the mortgage lending industry for over 18 years.  I began originating loans in California in 1988.  Since that time I have lived and worked in three different states working for mortgage brokers, mortgage bankers, banks and finance companies.  I have been a leading producer and have always striven to learn all aspects about the industry.  I have been involved in many aspects of mortgage lending including training, compliance, and processing.  My background also includes a Bachelors Degree in Economics / Mathematics from the University of California at Santa Barbara.  This along with my experience, attention to detail, dependability, and strength of character provide a strong foundation for obtaining THE BEST loan program available to you.

I will strive to earn your trust and respect and become your Mortgage Consultant for Life! I look forward to working with You.  Please contact me today or begin an on-line application Right Now.

Best Regards,

Phil Hickenbottom