From Serviceto Homeownership
Lower wholesale rates. Zero down payment. Zero lender fees. No PMI. Faster closings.
We've helped 2,500+ military families achieve homeownership through our transparent, veteran-approved process.
Proudly Serving Those Who Served
As a veteran-owned mortgage company, we understand the unique challenges military families face—PCS timelines, BAH calculations, and navigating benefits you've earned. That's why we've built a team and process dedicated to making your path to homeownership as smooth as possible.
A Veteran Who Still Has Your Six
Jonathan Mullins founded Valor Home Mortgage after 23 years in mortgage lending and a career in the U.S. Army. He saw too many military families overcharged and underserved by big banks and retail lenders — so he built a company that puts service members first, every time.
His mission is simple: deliver the lowest rates, the lowest costs, and the clearest guidance to every Veteran, active-duty family, and first-time buyer who walks through our door.
Meet Jonathan MullinsAsk Any AI About Me
See what artificial intelligence says about my experience, credentials, military background, and client reviews.
Our Track Record
How Can We Serve You?
Choose your path to homeownership. We're here to guide you every step of the way.
Buying a Home
Make your dream of homeownership a reality with VA loan benefits designed for those who served.
- Zero down payment required
- No private mortgage insurance
- Competitive interest rates
Refinancing
Lower your monthly payments or tap into your home's equity with streamlined VA refinance options.
- Lower your interest rate
- Cash-out options available
- Streamlined IRRRL process
Not Sure Where to Start?
Talk to a veteran loan specialist who understands your unique situation and can guide you to the right solution.
- Free, no-obligation consultation
- Veteran-to-veteran guidance
- Personalized recommendations
Veterans save more with independent brokers like us
2024 HMDA National Study • Lower wholesale rates & reduced lender fees
Stop Overpaying For Your Mortgage
Get a free second opinion quote and see how much you could be saving with a veteran-owned lender who puts your interests first.
- Licensed veteran mortgage officers
- No income documents required for quote
- Zero lender fees, zero origination fees
We Work For You
Not For Retail Lenders Or Banks
Retail Lenders & Banks
- Higher retail pricing
- $2,000 in lender fees
- 1%+ origination fees
- 45-60 day closing
- 620+ credit score required
- 1 lender option
- Works for the bank
- Limited availability
Valor Home Mortgage
- Wholesale rates (0.5-1% lower)
- $0 lender fees (Save $2,000+)
- 0% origination fees (Save $4,000+)
- 21 days or less (50% faster)
- 500+ credit score accepted
- Access to 40+ wholesale lenders
- Works for you - your advocate
- 7-day availability
Top-Rated Veteran Mortgage Broker
Top Originators
Scotsman Guide 2025
Best of Georgia
Regional Winner 2024
Top 1% Partner
UWM 2022
Our Services
Comprehensive VA loan solutions tailored for military families. From purchase to refinance, we guide you through every step with personalized support.
As a veteran-owned company, we understand your unique needs and are committed to securing the best rates available.
VA Purchase Loans
Zero down payment
VA Refinance
Lower your rate
Cash-Out Refinance
Access home equity
VA IRRRL
Streamline refinance
COE Assistance
Get qualified
Dedicated Support
Veterans helping veterans
What Our Clients Say
Real stories from veterans and military families we've served.
A Simple Path To Homeownership
We've streamlined the process so you can focus on finding your home.
Apply Online
Complete our simple application in just minutes from any device.
Get Pre-Approved
Receive your personalized rate within 24 hours.
Submit Documents
Upload securely. We guide you every step of the way.
Close & Move In
Get the keys to your new home. Welcome home!
JBSA Installations We Serve
Based in San Antonio — Military City, USA. We know the neighborhoods, commutes, and PCS timelines around every Joint Base San Antonio installation, and we bring wholesale pricing and zero lender fees to the families stationed here.
JBSA-Lackland
Southwest San Antonio
Basic military training, security forces, intel training
Nearby Communities: Far West San Antonio, Southwest San Antonio, Redbird Ranch, Ladera
JBSA-Randolph
Northeast San Antonio
Air Force Personnel Center, pilot training
Nearby Communities: Schertz, Cibolo, Universal City, Converse, New Braunfels
JBSA-Fort Sam Houston
Northeast San Antonio
Army North, Army South, medical training
Nearby Communities: Schertz, Cibolo, Converse, Northeast San Antonio, Windcrest
JBSA-Camp Bullis
Northwest San Antonio
Training facility
Nearby Communities: Stone Oak, Helotes, Fair Oaks Ranch, Boerne
Stationed elsewhere? We are licensed in multiple states — contact us to discuss your area.
Got Questions?
We've Got Answers
Everything you need to know about VA loans and working with Valor Home Mortgage
Ready To Get Started?
Apply now and get pre-approved fast. No surprises, no hidden fees—just straightforward, military-first financing.