Legal Overview

Consumer Protection Information

At Boxcar Mortgage, LLC dba Valor Home Loans, we prioritize consumer protection. Below are some helpful links regarding compliance with consumer protection laws.

Legal Disclosures & State Licensing View the list of licenses Valor Home Loans holds in each state.

NMLS Consumer Access View the Nationwide Multistate Licensing System/Nationwide Mortgage Licensing System and Registry.

Privacy Notice Find out how Valor Home Loans shares your personal information in accordance with federal and state law.

CCPA Privacy Notice View Valor Home Loans' CCPA Privacy Notice.

Notice of Error/Requests for Information/General Complaints Please submit a written notice of error, information request, or general complaint addressed to Valor Home Loans' mortgage resolution unit stating the specific error(s), information requested, or general complaint. Include your full name, loan number, and submit to: 1755 Telstar Drive, Suite 309, Colorado Springs, CO 80920

Texas Disclosure — For property located in Texas Valor Home Loans is licensed under Texas laws and is subject to regulatory oversight by the Texas Department of Savings and Mortgage Lending.

Texas Consumer Complaint Information Consumers wishing to file a complaint against a mortgage banker or a licensed mortgage banker residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the department's website at www.sml.texas.gov. A toll-free consumer hotline is available at (877) 276-5550.

The department maintains a recovery fund to make payments of certain actual out-of-pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department's website at www.sml.texas.gov.