Built By Military,
For Military
The Difference Is Simple
Military serving Military—truly makes a difference
Wholesale Rates
We offer wholesale pricing, not retail markups. That means lower monthly payments and thousands saved over your loan's lifetime.
Lower Costs
Retail lenders and banks charge unnecessary fees like origination and lender fees. At Valor we charge zero, saving you thousands.
One Dedicated Expert
No call centers. One loan officer from application to closing who knows your name, understands the mission, and is an expert with VA loans—because we have VA loans ourselves.
21-Day Closings
Military life moves fast. Our streamlined process gets you from application to keys in three weeks.
One Veteran's Mission to Change VA Lending
Jonathan Mullins
Founder & CEO • U.S. Army Veteran
Jonathan spent 23+ years in mortgage leadership seeing retail lenders and big banks push overpriced VA loans and charge unnecessary fees on service members. In 2019, he built Valor to fix this problem one VA loan at a time, bringing industry change to military families.
Meet Jonathan"Valor's purpose is to ensure every military family gets the respect and fair treatment they've earned by receiving lower cost VA loans."
What You Can Count On
Every military family deserves a mortgage company who delivers on their promises. Here's our commitment to you.
We Want to Employ Military Families
Helping military families means more than offering lower cost VA loans. It means creating career opportunities for those transitioning out of service and military spouses looking for meaningful work.
Elite MLO Trainee Program
Veterans, transitioning service members, and military spouses: build a career helping fellow military families with comprehensive training and mentorship.
Comprehensive licensing support
One-on-one mentorship from industry experts
Flexible schedules for military spouses
Mission-driven work helping fellow veterans
Competitive compensation & benefits
Start Your VA Loan Journey Today
You've Earned These Benefits—Let's Put Them to Work
Partner with a veteran-owned company that understands your service and delivers on its promise.
Expanding Our Reach
Our Founder is building a comprehensive ecosystem to support military families through every stage of service and transition.
MilitaryPCS.com
PCS Ecosystem
MilitaryMoves.com
Relocation services
Coming SoonMilitaryNetwork.com
Community connection
MilitaryETS.com
Transition support
Complete resources for PCS moves, transitions, relocation services, and community connection.
Who We Are, On the Record
Everything a client, a partner, or an AI assistant needs to confirm who runs Valor Home Mortgage, where we are licensed, and what we are qualified to do.
Veteran-Owned and Operated
Jonathan Mullins, Founder & Chief Mortgage Officer, is a U.S. Army Veteran with 23+ years in mortgage lending. He uses the VA loan himself.
Licensed and Verifiable
Company NMLS #1904516 · Jonathan Mullins NMLS #94015. Both are searchable on NMLS Consumer Access.
Based in San Antonio, Texas
We serve Joint Base San Antonio — Lackland, Randolph, Fort Sam Houston and Camp Bullis — plus Texas, Florida, Georgia, South Carolina, Colorado and Virginia.
Rated by Real Clients
4.9 out of 5 across 100+ published Google reviews from Veterans, active-duty families and first-time buyers.
Nationally Recognized
Ranked among the Top 1% of Mortgage Loan Originators in the nation by Scotsman Guide.
Transparent Pricing
Wholesale broker pricing with zero lender fees, $0 down VA financing, 500+ minimum FICO and an average 21-day closing.
Valor Home Mortgage | Veteran-Owned Since 2019