Legal Notices & Accessibility

Website Information

The information provided on this website is for general informational purposes only. While we strive to keep the information up to date and accurate, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

Mortgage Rate Information

Interest rates and mortgage terms displayed on this website are subject to change without notice and are provided for informational purposes only. Actual rates, payments, and terms will vary based on:

• Credit score and credit history
• Loan-to-value ratio and down payment amount
• Property type, location, and use
• Loan amount and program selected
• Market conditions at time of rate lock
• Debt-to-income ratio and employment history

Rate quotes are not guaranteed until locked in writing with a lender.

Calculator Estimates

All calculators on this website provide estimates only and should not be relied upon as the sole basis for financial decisions. Actual costs, payments, savings, and terms may differ significantly based on individual circumstances, lender requirements, and program guidelines.

Professional Advice

Nothing on this website constitutes financial, legal, or tax advice. You should consult with qualified professionals regarding your specific situation before making any financial decisions. Valor Home Mortgage does not provide tax or legal advice.

Application and Approval

Pre-qualification and pre-approval are not guarantees of final loan approval. All applications are subject to:

• Credit verification and approval
• Property appraisal and inspection
• Income and employment verification
• Underwriting review and approval
• Satisfaction of all loan conditions

External Links

This website may contain links to external websites that are not under our control. We have no control over the nature, content, and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Our Commitment to Equal Opportunity

Valor Home Mortgage is committed to fair lending practices and equal housing opportunity. We are an Equal Housing Lender and comply with all federal and state fair lending laws.

Non-Discrimination Policy

We do not discriminate on the basis of:

• Race or color
• National origin or ancestry
• Religion or creed
• Sex or gender identity
• Sexual orientation
• Marital or familial status
• Disability or handicap
• Age (provided the applicant has legal capacity to contract)
• Source of income (including public assistance)
• Military or veteran status

Fair Housing Act Compliance

We comply with the Fair Housing Act, Equal Credit Opportunity Act (ECOA), Home Mortgage Disclosure Act (HMDA), and all other applicable fair lending laws and regulations. All loan applicants are evaluated based on standard, objective credit criteria.

File a Complaint

If you believe you have experienced discrimination in a mortgage transaction, you may file a complaint with:

• HUD (Housing and Urban Development)
  Office of Fair Housing and Equal Opportunity
  Phone: 1-800-669-9777
  Website: www.hud.gov
• Consumer Financial Protection Bureau (CFPB)
  Phone: 1-855-411-2372
  Website: www.consumerfinance.gov/complaint

Website Content

© 2025 Valor Home Mortgage. All rights reserved.

Unless otherwise stated, Valor Home Mortgage and/or its licensors own the intellectual property rights for all material on this website. All intellectual property rights are reserved. You may access this from Valor Home Mortgage for your own personal use subject to restrictions set in these terms and conditions.

Restrictions

You must not:

• Republish material from this website without permission
• Sell, rent, or sub-license material from the website
• Reproduce, duplicate, or copy material from the website for commercial purposes
• Redistribute content from Valor Home Mortgage unless content is specifically made for redistribution

Trademarks

"Valor Home Mortgage," the Valor Home Mortgage logo, and other marks are trademarks of Valor Home Mortgage. All other trademarks, service marks, and logos used on this website are the property of their respective owners.

Our Commitment

Valor Home Mortgage is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards.

Conformance Status

We strive to conform to the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA standards. These guidelines explain how to make web content accessible to people with a wide array of disabilities, including:

• Visual impairments
• Hearing impairments
• Motor impairments
• Cognitive disabilities

Measures to Support Accessibility

Valor Home Mortgage takes the following measures to ensure accessibility:

• Include accessibility as part of our mission statement
• Provide continual accessibility training for our staff
• Include accessibility throughout our internal policies
• Include people with disabilities in our design personas
• Conduct regular accessibility reviews

Feedback

We welcome your feedback on the accessibility of our website. If you encounter accessibility barriers, please contact us:

• Phone: (678) 488-0608
• Email: info@valorhomemortgage.com

We try to respond to accessibility feedback within 2 business days.

Technical Specifications

Accessibility of our website relies on the following technologies to work with the particular combination of web browser and any assistive technologies or plugins installed on your computer:

• HTML
• WAI-ARIA
• CSS
• JavaScript

These technologies are relied upon for conformance with the accessibility standards used.